6604 Penney Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 6604 Penney Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1985
Lot Size	0.222 acres (9,675 sqft)
Owner	Individual Name on Record
Last Sale	$332,500 (May 2017)
Tax Bill	$5,025 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`236-0043-002-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0043-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,675 sqft (0.222 acres)
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6604 PENNEY WAY
City	CARMICHAEL
State	CA
Zip	95608-0937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	ENGEL TERRACE 01, LOT 15
Legal Subdivision	ENGEL TERRACE 01
Legal Lot Number	15
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3000
Census Tract	7903

Owner

Source: Sacramento County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage L ALLEY LOANS INC
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage L ALLEY LOANS INC
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Mar 25, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
May 2, 2017	Grant Deed, Transfer · FHA Mortgage PROVIDENT SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2017 · Amount on Record
Deed Sale	May 2, 2017 · Amount on Record
Prior Sale	May 19, 2000 · Amount on Record
Deed Book / Page	20170502 / 1817
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937

Mortgage

Document Number	0000001690
Date	Apr 16, 2021
Instrument	202104161690

Lender

Name	L ALLEY LOANS INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92648

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937

Mortgage

Document Number	4160000001690
Date	Apr 16, 2021
Book Page	20210416/1690

Lender

Name	L ALLEY LOANS INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92648

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Document Number	2004161143
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 PENNEY WAY CARMICHAEL CA 956080937, CARMICHAEL, CA 95608-0937

Mortgage

Document Number	2004161143
Date	Apr 16, 2020
Instrument	2004161143

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Document Number	0204161144
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 PENNEY WAY CARMICHAEL CA 956080937, CARMICHAEL, CA 95608-0937

Mortgage

Document Number	0204161144
Date	Apr 16, 2020
Instrument	204161144

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 2, 2017
Property Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937
Document Number	5020000001817
Book / Page	20170502 / 1817
Map Reference	MB 75 MAP 32
Instrument Date	Apr 25, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 PENNEY WAY, CARMICHAEL, CA 95608-0937

Mortgage

Document Number	201705021818
Date	May 2, 2017
Instrument	20170502/1818

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$423,188 (+2%) Land $100,619 Building $322,569
2025	$5,025.00 (+2.15%)	$414,892 (+4.04%) Land $98,647 Building $316,245
2024	$4,919.00 (+1.61%)
2023	$4,841.00 (+2.04%)	$398,783 Land $94,817 Building $303,966
2022	$4,744.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITRUS HEIGHTS WATER DISTRICT serves 67,818 people · EPA ID CA3410006
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net.

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