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6405 Palm Dr, Carmichael, CA, 95608

2beds
2baths
1,581sqft
$1,100,000
$696price/sqft
$7,357/moest. monthly cost
$294,280/yrincome needed

About This Home

THE ABSOLUTE PERFECT CANVAS FOR YOU TO BRING YOUR VISION TO REALITY! 6405 Palm Drive offers you the opportunity of a life time to own one of the few large lots left in the center of this lovely community in Carmichael. With a lot size short of one acre and RD-2 zoning, there are lots of possibilities for this property. Located within 1/4 mile from the Ancil Hoffman Park entrance, a 396-acre park on the American River known for its natural beauty, wildlife, river access and recreational activities which include the Effie Yeaw Nature Center, an award-winning golf course, and extensive trails for hiking, biking and picnicking. The original home is currently in a 2 bedroom/2 bath configuration, the primary bedroom has high ceilings with open beams as well as the Family Room and the addition next to the family room. Buyers MUST check the zoning and building constrains with the County of Sacramento and City of Carmichael for all possible options. This property offers access from Palm Drive, Perth Way and approximately a-35-feet vehicle entrance from Marlyn St. (Buyer shall confirm with County Planning regarding all these access options). From building a larger home, remodeling the current one, splitting the lot into two parcels (zoning permitting) and building a couple homes with ADUs, you have many options to consider here! YOU DO NOT WANT TO MISS THIS!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
5/10
Del Campo High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Frame,Lap Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Rustic
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Built-In Electric Range,Free-Standing Refrigerator,Dishwasher
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen

Features

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

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,581 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Combo,Tile Counters

Master Bathroom

  • Features: Double Vanity,Sunken Tub,Tile

Master Bedroom

  • Features: Closet,Outside Access,Sitting Area

Property

Details

  • Parcel number: 27301010170000
  • Zoning: RD-2
  • Special condition: Offer As Is

Features

  • Fencing: Back Yard,Chain Link
  • Topography of land: Lot Sloped,Trees Many,Lot Sloped,Trees Many

Lot

  • Lot size: 0.94 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 14
  • Parking features: Attached,RV Possible,Uncovered Parking Spaces 2+,Guest,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 10
  • Carport: Yes
  • Carport 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

  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $5,562$66,744
Home Insurance *$309$3,708
Property Taxes $1,088$13,056
Electricity $398$4,786
Total$7,357$88,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,240/yr
40% on housing$220,710/yr
45% on housing$196,186/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

$696This listing

vs Other Active Listings

Avg $/sqft

ZIP 95608$322
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)

Price History

DateEventPrice
2026-07-11Listed for sale$1,100,000
2021-07-02Sold$500,000

For Sale by Agent

AgentClaudia Niedzielski
BrokerageRE/MAX Gold Sierra Oaks

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