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103 Sage Flat Ct, Folsom, CA, 95630

2beds
3baths
1,867sqft
$650,000
$348price/sqft
$4,470/moest. monthly cost
$178,800/yrincome needed

About This Home

Showcasing more than $160,000 in thoughtfully curated improvements in 2023, this exceptional residence is tucked within the gated Cascades neighborhood on a desirable corner cul-de-sac, where sophisticated style, modern comfort, and quality craftsmanship come together beautifully. The stunning kitchen has been completely reimagined with quartz countertops, custom cabinetry, soft-close drawers and cabinet doors throughout, pull-out shelving, a GE Profile Smart convection oven, GE Monogram induction cooktop, GE dishwasher, microwave, and an expanded layout designed for both everyday living and entertaining. Select appliances also include extended warranties. The thoughtfully designed floor plan features a desirable guest en suite, a versatile den/office that can be converted into a third bedroom, and an inviting primary suite with a walk-in shower and separate soaking tub. Additional interior improvements include luxury vinyl plank flooring, new carpet, 5-inch baseboards, updated metal stair banisters, recessed LED lighting, new light switches and outlets, fresh interior paint, new window coverings, two ceiling fans, and a QuietCool whole-house fan. Milgard Low-E windows installed in 2023 provide added energy efficiency and include a warranty through 2033. Major system updates include an HVAC system replaced in 2021 and a water heater replaced in 2020. Additional features include a central vacuum system, garage storage cabinets, added dining and laundry room cabinetry, and a Kenmore refrigerator. The spacious, low-maintenance backyard features artificial turf, drip irrigation, and a utility shed, creating an inviting setting for relaxing or entertaining with minimal upkeep. Ideally located just steps from Bud and Artie Davies Park, with tennis and basketball courts, soccer fields, playgrounds, picnic areas, and open green space. Nearby shopping, dining, coffee shops, Historic Folsom, Folsom Lake, the American River Parkway, and convenient Highway 50 access complete the exceptional lifestyle offered at 103 Sage Flat Court.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
65
BikeBikeable

Schools

8/10
Sutter Middle SchoolGrades 6-82.5 mi
1/10
Folsom Lake High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Slab
  • Roof: Spanish Tile
  • Construction materials: Stucco,Wood

Type & Style

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

Interior

Appliances

  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Formal Area

Features

  • Flooring: Simulated Wood
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,867 sqft

Kitchen

  • Features: Breakfast Area,Stone Counters

Property

Details

  • Parcel number: 22703900320000
  • Zoning: R-1-ML
  • Special condition: Standard

Lot

  • Lot size: 5,209 sqft
  • Features: Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Guest
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
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 $3,286$39,432
Home Insurance *$141$1,692
Property Taxes $643$7,716
Electricity $400$4,804
Total$4,470$53,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,257/yr
40% on housing$134,100/yr
45% on housing$119,200/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

$348This listing

vs Other Active Listings

Avg $/sqft

ZIP 95630$326
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95630$370
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
2026-08-11Pending sale$650,000
2026-07-31Listed for sale$650,000

For Sale by Agent

AgentNancy Darnell
BrokerageeXp Realty of Northern California, Inc.

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