7108 Borrego Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 7108 Borrego Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,116 sqft · built 1971
Lot Size	0.191 acres (8,320 sqft)
Owner	Company Name on Record
Last Sale	$172,000 (Jan 2000)
Tax Bill	$3,137 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`247-0295-004-0000`

Property Details

APN / Parcel Number

Primary APN	`247-0295-004-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,116 sqft Living Area
1st Floor Area	2,116 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,320 sqft (0.191 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7108 BORREGO WAY
City	CARMICHAEL
State	CA
Zip	95608-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	RANCHO DE LOS OLIVOS 03, LOT 121
Legal Subdivision	RANCHO DE LOS OLIVOS 03
Legal Lot Number	121
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1006
Census Tract	7905

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	Company Name on Record
Mailing Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Intrafamily Transfer, Transfer
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FINANCIAL CU
May 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FINANCIAL CU
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2000 · Amount on Record
Deed Sale	Jan 4, 2000 · Amount on Record
Deed Book / Page	20000104 / 46
Last Transfer Date	Mar 23, 2022
Transfer Doc	2022001405
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 28, 2022
Property Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Document Number	0000001405
Map Reference	MB 84 MAP 2
Instrument Date	Mar 23, 2022
Instrument	2022032801405
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000783
Date	Jan 13, 2017
Book Page	20170113/0783

Lender

Name	SCHOOLS FINANCIAL CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2027

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001096
Date	May 3, 2017
Book Page	20170503/1096

Lender

Name	SCHOOLS FINANCIAL CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Document Number	2008120600
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7108 BORREGO WAY CARMICHAEL CA 956081504, CARMICHAEL, CA 95608-1504

Mortgage

Document Number	2008120600
Date	Aug 12, 2020
Instrument	2008120600

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7108 BORREGO WAY, CARMICHAEL, CA 95608-1504
Document Number	1910221271
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7108 BORREGO WAY CARMICHAEL CA 956081504, CARMICHAEL, CA 95608-1504

Mortgage

Document Number	1910221271
Date	Oct 22, 2019
Instrument	1910221271

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

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		$269,615 (+2%) Land $117,563 Building $152,052
2025	$3,137.00 (+2.18%) Homeowner's exemption	$264,329 (+4.04%) Land $115,258 Building $149,071
2024	$3,070.00 (+1.66%)
2023	$3,020.00 (+2.1%) Homeowner's exemption	$254,068 Land $110,784 Building $143,284
2022	$2,958.00

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	4 in force
Nearby Flood Claims	2 (1995–1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 94% of the US · lower than 96% 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	CARMICHAEL WATER DISTRICT serves 41,193 people · EPA ID CA3410004
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 595 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 DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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