See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3630 Winding Creek Rd, Sacramento, CA, 95864

5beds
6baths
4,905sqft
$4,299,000
$876price/sqft
$28,150/moest. monthly cost
$1,126,000/yrincome needed

About This Home

Modern architecture meets legacy. Winding Creek is an exceptionally rare offering in Arden Oaks. Set on a full acre in one of Sacramento's most prestigious communities, this single-story estate delivers contemporary design without compromising space, privacy, or the character the neighborhood is known for. Spanning approximately 5,824 square feet, the property features 6 bedrooms plus a dedicated office, along with two fully equipped ADUs - ideal for multigenerational living, guests, or extended flexibility. Designed for seamless indoor-outdoor living, the home opens to resort-style grounds complete with a pool, sauna, private pickleball court, fire-lit entertaining areas, and thoughtfully integrated landscaping, including vineyard elements. Privately gated and surrounded by mature oaks, the property offers ample parking, including space for RV and boat storage. This is a rare opportunity to own modern construction in a timeless setting, and every detail is designed for both everyday comfort and elevated entertaining.

Getting Around

35
WalkingCar-Dependent
36
TransitSome Transit
51
BikeBikeable

Schools

8/10
7/10
Arden Middle SchoolGrades 6-80.6 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Flat,Metal
  • Construction materials: Stone,Stucco,Frame,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modern/High Tech
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Gas Range,Built-In Refrigerator,Range Hood,Dishwasher,Microwave,Double Oven,Wine Refrigerator,Other
  • Laundry features: Cabinets,Sink,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • Partial bathrooms: 1

Dining Room

  • Features: Bar,Space in Kitchen,Formal Area

Features

  • Window features: Skylight(s)
  • Flooring: Carpet,Stone,Wood
  • Number of fireplaces: 6
  • Fireplace features: Insert,Living Room,Master Bedroom,Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Fireplace Insert,Fireplace(s),Gas,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Wall Unit(s),Zoned,Other

Interior Area

  • Total interior livable area: 4,905 sqft

Kitchen

  • Features: Butlers Pantry,Ceramic Counter,Skylight(s),Island w/Sink,Kitchen/Family Combo

Master Bathroom

  • Features: Closet,Double Vanity,Soaking Tub,Stone,Tile,Multiple Shower Heads

Master Bedroom

  • Features: Closet,Walk-In Closet,Outside Access

Property

Details

  • Parcel number: 28101720080000
  • Zoning description: RD-2
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: In Ground,On Lot,Pool Sweep,Pool/Spa Combo
  • Fencing: Back Yard,Fenced,Full,Gated Driveway/Sidewalks

Lot

  • Lot size: 1 Acres
  • Features: Auto Sprinkler F&R,Greenbelt,Stream Year Round,Landscape Back,Landscape Front

Parking

  • Total spaces: 4
  • Parking features: Private,Boat,RV Access/Parking,RV Storage,Garage Faces Side,Guest,Interior Access,Driveway,Gated
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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 $21,738$260,856
Home Insurance *$1,033$12,396
Property Taxes $4,328$51,936
Electricity $1,051$12,621
Total$28,150$337,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$965,142/yr
40% on housing$844,500/yr
45% on housing$750,666/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

$876This listing

vs Other Active Listings

Avg $/sqft

ZIP 95864$388
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95864$384
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
2026-03-27Listed for sale$4,500,000
2023-09-01Listing removed--
2023-05-13Price change$2,019,900
2023-04-17Price change$1,989,999
2023-03-18Price change$1,959,999
2023-02-02Price change$1,899,999
2023-01-06Listed for sale$1,849,999
2022-11-17Listing removed--
2022-09-15Price change$1,649,999
2022-09-02Price change$1,674,999
2022-08-19Price change$1,699,999
2022-06-22Listed for sale$1,749,999
2021-10-27Sold$1,600,000
2021-10-06Pending sale$1,695,000
2021-09-26Price change$1,695,000
2021-09-02Price change$1,795,000
2021-08-05Listed for sale$1,895,000
2011-01-19Sold$550,000
2010-11-05Price change$599,000
2010-10-16Price change$649,000
2010-09-16Price change$699,000
2010-08-27Listed for sale$795,000

For Sale by Agent

AgentMadison Fairchild
BrokerageColdwell Banker Realty

Similar Homes