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4640 39th Ave, Sacramento, CA, 95824

2beds
1baths
1,213sqft
$295,000
$243price/sqft
$2,258/moest. monthly cost
$90,320/yrincome needed

About This Home

Charming Fixer-Upper with Endless Potential! Calling all investors and handy first-time buyers this single-story ranch is bursting with opportunity! Tucked behind a beautiful mature shade tree, this home offers a classic layout with not one, but two cozy living spaces, each anchored by its own fireplace one with a brick surround and white mantle in the front living room, and a second brick fireplace in a spacious wood-paneled family room/den with exposed beam ceilings, perfect for a rustic retreat or game room. The eat-in kitchen offers a functional layout with ample white cabinetry, tile countertops, a breakfast bar, and room to make it your own. Additionally, a dining/flex space with charming vintage character rounds out the living areas. Outside, enjoy a generous backyard with a storage shed for extra space, plus an attached garage and driveway parking up front. This home is ready for your vision bring your design ideas and sweat equity to transform this solid-bones property into a true gem. Great opportunity for investors or owner-occupants looking to build instant equity. Won't last schedule your showing today!

Getting Around

52
WalkingSomewhat Walkable
36
TransitSome Transit
53
BikeBikeable

Schools

2/10
6/10
Fern Bacon Middle SchoolGrades 7-81.0 mi
3/10

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Hookups Only

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Space in Kitchen

Features

  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,213 sqft

Kitchen

  • Features: Laminate Counters

Property

Details

  • Parcel number: 03700520010000
  • Zoning: RD-5
  • Special condition: HUD Owned

Lot

  • Lot size: 5,227 sqft
  • Features: Sprinklers In Front

Parking

  • Total spaces: 1
  • Parking features: Covered
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Earthquake

FEMA Declared Disasters in Sacramento County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,491$17,892
Home Insurance *$83$996
Property Taxes $286$3,432
Electricity $398$4,786
Total$2,258$27,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,417/yr
40% on housing$67,740/yr
45% on housing$60,213/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$243This listing

vs Other Active Listings

Avg $/sqft

ZIP 95824$218
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95824$296
Sacramento County$320

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$295,000
2026-07-30Listed for sale$295,000
2026-07-25Pending sale$295,000
2026-07-22Listed for sale$295,000
2026-07-16Pending sale$295,000
2026-07-03Price change$295,000
2026-07-01Listed for sale$300,000

For Sale by Agent

AgentSerina Lowden
BrokerageAll City Homes

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