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2851 Garden Hwy, Sacramento, CA, 95833

3beds
3baths
3,359sqft
$2,195,000
$653price/sqft
$14,474/moest. monthly cost
$578,960/yrincome needed

About This Home

A rare offering along the Sacramento River! Set on a serene stretch of riverfront, the River Chalet at 2851 Garden Highway presents a distinctive opportunity to own a multi-level architectural retreat just minutes from downtown Sacramento and the airport. Artfully designed across four levels, this 3-bedroom, 3-bath residence is defined by a sculptural spiral staircase that anchors the home from the ground up. From the moment you enter, the home reveals a consistent commitment to quality with refined materials, elevated finishes, and thoughtful craftsmanship carried throughout every space. The main living area is dramatic yet grounded, with soaring cathedral ceilings, expansive walls of glass framing uninterrupted water views, and rich Tigerwood flooring bringing warmth and depth to the space. The kitchen is beautifully appointed with cherry cabinetry, stone surfaces, and a breakfast nook positioned perfectly for quiet mornings overlooking the river. A private lower-level apartment offers flexibility for extended stays or elevated guest accommodations. The primary suite is a true sanctuary, featuring a spa-caliber bath with Blue Azul stone, heated floors, glass vessel sinks, and a Neptune soaking tub oriented toward the water. Outdoors, a wraparound deck flows seamlessly around a centuries-old oak, creating a rare treehouse-like experience suspended above the landscape. At the shoreline, a private dock with covered boat lift invites an unhurried rhythm of riverfront living. Enjoy your morning coffee by the water, sunset boat rides, and evenings that feel gently removed from the pace of the city. An adjacent parcel is also available, presenting a rare opportunity to expand within one of the region's most coveted waterfront settings. Private showings available by appointment.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
24
BikeSomewhat Bikeable

Schools

7/10
2/10
Natomas Middle SchoolGrades 6-83.6 mi
4/10
Natomas High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Concrete,Slab
  • Roof: Metal
  • Construction materials: Concrete,Frame,Wood,Lap Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Built-In Refrigerator,Range Hood,Ice Maker,Dishwasher,Disposal,Microwave,Self Cleaning Oven,Warming Drawer,Free-Standing Gas Oven,Dryer,Washer
  • Laundry features: Laundry Room,Cabinets,Sink,Ground Floor,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Formal Area

Features

  • Flooring: Stone,Tile,Marble,Wood
  • Number of fireplaces: 2
  • Fireplace features: Living Room,Raised Hearth,Family Room,Stone,Wood Burning
  • Fireplace: Yes
  • Attic: Room

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s),MultiUnits
  • Cooling features: Ceiling Fan(s),Central Air,Wall Unit(s),Heat Pump,Multi Units

Interior Area

  • Total interior livable area: 3,359 sqft

Kitchen

  • Features: Breakfast Area,Stone Counters

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Granite Counters,Jetted Tub,Tile,Marble,Radiant Heat,Window

Master Bedroom

  • Features: Balcony,Closet,Sitting Area

Property

Details

  • Parcel number: 22502100530000
  • Zoning description: SPA
  • Special condition: Standard
  • Other equipment: Water Cond Equipment Owned,Water Filter System

Features

  • Exterior features: Balcony,Fire Pit,Dock
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Metal,Front Yard,Masonry,Gated Driveway/Sidewalks
  • On waterfront: Yes
  • Waterfront features: River Access,River Front,Lake Front

Lot

  • Lot size: 0.62 Acres
  • Features: Auto Sprinkler F&R,Shape Regular,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: 1/2 Car Space,Attached,Boat,Garage Door Opener,Driveway,Gated
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Drought
    DroughtModerate

How This Home’s Risks Compare

Drought

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 $11,099$133,188
Home Insurance *$577$6,924
Property Taxes $2,078$24,936
Electricity $720$8,643
Total$14,474$173,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$496,251/yr
40% on housing$434,220/yr
45% on housing$385,973/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

$653This listing

vs Other Active Listings

Avg $/sqft

ZIP 95833$246
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95833$319
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)

Price History

DateEventPrice
2026-03-30Listed for sale$2,395,000
2026-01-16Listing removed$2,395,000
2025-08-28Listed for sale$2,395,000
2006-07-12Sold$2,255,000

For Sale by Agent

AgentSteffan Brown
BrokerageColdwell Banker Realty

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