6642 Saint James Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 6642 Saint James Dr, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,992 sqft · built 1968
Lot Size	0.184 acres (7,995 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Oct 2021)
Tax Bill	$6,613 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`236-0133-002-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0133-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,992 sqft Living Area
1st Floor Area	1,081 sqft
2nd Floor Area	911 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	7,995 sqft (0.184 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Pool Area	7,975 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6642 SAINT JAMES DR
City	CARMICHAEL
State	CA
Zip	95608-0949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	JAMES TOWNE 01, LOT 45
Legal Subdivision	JAMES TOWNE 01
Legal Lot Number	45
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	5
Census Block	5000
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	2 Individual Names on Record
Mailing Address	6642 SAINT JAMES DR, CARMICHAEL, CA 95608-0949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Oct 29, 2021	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	2021606
Deed Book / Page	20211029 / 606
Prior Transfer Date	Aug 11, 2001
Prior Transfer Doc	2001001288
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6642 SAINT JAMES DR, CARMICHAEL, CA 95608-0949
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6642 SAINT JAMES DR, CARMICHAEL, CA 95608-0949

Mortgage

Document Number	0000000392
Date	Oct 29, 2025
Instrument	202510290392

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 29, 2021
Property Address	6642 SAINT JAMES DR, CARMICHAEL, CA 95608-0949
Document Number	2021102900606
Map Reference	MB 49 MAP 17
Instrument Date	Oct 25, 2021
Instrument	2021102900606
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	6642 SAINT JAMES DR, CARMICHAEL, CA 95608-0949

Mortgage

Document Number	2021102900607
Date	Oct 29, 2021
Instrument	2021102900607

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$557,450 (+2%) Land $113,654 Building $443,796
2025	$6,613.00 (+2.16%)	$546,521 (+4.04%) Land $111,426 Building $435,095
2024	$6,473.00 (+1.6%)
2023	$6,371.00 (+2.05%)	$525,300 Land $107,100 Building $418,200
2022	$6,243.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1992–1995)
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 545 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	100 / 20

May also be available: Succeed.Net.

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