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5921 Camray Cir, Carmichael, CA, 95608

4beds
3baths
2,148sqft
$599,900
$279price/sqft
$4,270/moest. monthly cost
$170,800/yrincome needed

About This Home

HUGE 40k price reduction on this fantastic opportunity to own this spacious 4-bedroom, 3-bath two-story light fixer nestled on a charming, quiet street in the heart of Carmichael! Offering the perfect blend of space, value, and potential, this home is ready for your personal touches while providing an excellent opportunity to build sweat equity. The desirable floor plan features a downstairs bedroom and full bath, generous living spaces, abundant natural light, and a huge open kitchen with ample cabinetry perfect for everyday living and entertaining. Step outside to a spacious, private backyard with endless possibilities for outdoor living, gardening, or creating space for entertainment. Located in an established neighborhood with mature trees and pride of ownership, just minutes from parks, schools, shopping, dining, and commuter access. Call your agent today before it's too late!!

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
65
BikeBikeable

Schools

2/10
5/10
5/10
Del Campo High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1982

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Dining/Family Combo,Space in Kitchen,Dining/Living Combo

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,148 sqft

Kitchen

  • Features: Kitchen/Family Combo,Tile Counters

Property

Details

  • Parcel number: 24503030190000
  • Zoning: RD-5
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,721 sqft
  • Features: Shape Regular

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $3,033$36,396
Home Insurance *$168$2,016
Property Taxes $609$7,308
Electricity $460$5,527
Total$4,270$51,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,400/yr
40% on housing$128,100/yr
45% on housing$113,866/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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 95608$326
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95608$355
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
2026-08-12Pending sale$599,900
2026-08-07Listing removed$599,900
2026-07-28Price change$599,900
2026-07-15Listed for sale$639,900
2021-03-09Listing removed--
2020-08-05Listing removed$2,495
2020-07-28Listed for rent$2,495
2016-12-14Sold$420,000
2016-11-05Pending sale$429,900
2016-10-14Listed for sale$429,900
1997-02-21Sold$158,000

For Sale by Agent

AgentSergio Arreguin
BrokerageGonsalves Real Estate Properties

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