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363 Ford Rd, Sacramento, CA, 95838

2beds
1baths
568sqft
$325,000
$572price/sqft
$2,488/moest. monthly cost
$99,520/yrincome needed

About This Home

Rare opportunity to own a charming North Sacramento cottage on a large lot with highly coveted R-3-R (Multi-Unit Dwelling) zoning—offering a unique blend of homestead-style urban living today and exceptional development upside for tomorrow. This move-in-ready 2-bedroom house features an airy, light-filled layout with a refined mix of carpet, hardwood, and tile flooring. The updated kitchen and bath showcase granite countertops, stainless steel appliances, dual granite bathroom sinks, and LED lighting throughout. Year-round comfort is provided by an efficient HVAC system with 220V electric heating and air conditioning, along with radiant heating. The primary bedroom includes a walk-in closet with mirrored doors, adding both style and functionality. Outside, the property shines further. The fully fenced, expansive yard with green lawn is ideal for homestead living, kitchen gardening and urban farming, with ample space for raised garden beds, fruit trees, growing herbs and organic vegetables, composting, rainwater collection, keeping pets; outdoor dining, and peaceful relaxation. Whether you envision a self-sustaining garden, weekend farm-to-table meals, or a private green retreat, this property supports a lifestyle that is increasingly rare within city limits. The wide lot configuration also accommodates RV parking, workshops, accessory structures, or future additions, making it equally appealing for those seeking space, flexibility, and long-term value. From an investment and development perspective, R-3-R zoning unlocks powerful potential. The parcel allows for multi-unit housing (duplex, triplex, fourplex, or more), with up to 50% lot coverage, equating to an approximate 3,267 sq. ft. building footprint and ~6,500+ sq. ft. of potential buildable floor area with two stories (buyer to verify). Ideally located near Natomas, approximately 5 miles north of Downtown Sacramento, with quick access to I-80, neighborhood parks, schools, shopping, dining, and everyday conveniences—perfect for commuters, tenants, and lifestyle buyers alike. Whether you’re a homestead-minded owner-occupant, first-time buyer, or investor/developer seeking rare multi-unit zoning with underlying land value, this property offers space, zoning, and versatility that are increasingly difficult to find. Legal Disclaimer: Buyer to verify local ordinances, all information and details. Interior photos are virtually staged.

Getting Around

33
WalkingCar-Dependent
32
TransitSome Transit
37
BikeSomewhat Bikeable

Schools

5/10
4/10
Grant Union High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Wood

Type & Style

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

Interior

Appliances

  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,High Efficiency,Heat Pump,Radiant
  • Cooling features: Electric,High Efficiency,Heat Pump,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 568 sqft

Property

Details

  • Parcel number: 25001910300000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: front
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 6,534 sqft

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 $1,643$19,716
Home Insurance *$90$1,080
Property Taxes $357$4,284
Electricity $398$4,786
Total$2,488$29,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,302/yr
40% on housing$74,640/yr
45% on housing$66,346/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

$572This listing

vs Other Active Listings

Avg $/sqft

ZIP 95838$198
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95838$323
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
2026-05-01Listed for rent$2,288
2025-12-25Listed for sale$295,000
2023-11-28Listing removed--
2023-11-07Listed for rent$2,000
2023-01-06Listing removed--
2022-12-29Listed for rent$1,860
2021-12-09Listing removed--
2021-11-17Listed for rent$1,704
2018-12-28Listing removed$1,025
2018-09-24Listed for rent$1,025
2017-06-19Listing removed$990
2017-06-06Price change$990
2017-05-12Price change$900
2017-04-26Listed for rent$730
2014-07-11Sold$75,000
2013-09-20Sold$158,000

For Sale by Agent

AgentKilian Goldin
BrokerageReeve Brokerage Inc.

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