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3854 Oyster Point Way, Sacramento, CA, 95835

5beds
5baths
3,178sqft
$726,486
$229price/sqft
$5,325/moest. monthly cost
$213,000/yrincome needed

About This Home

This new two-story home is the collection's largest design, with an open layout on the first floor with the Great Room, dining room and kitchen plus a California Room for outdoor living. There are two owner's suites, one on the first floor and one on the second floor. Spacious secondary bedrooms are upstairs.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
32
BikeSomewhat Bikeable

Schools

9/10
Northlake TK-8Grades K-80.3 mi
6/10
Rio Linda High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Lennar

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Interior Area

  • Total interior livable area: 3,178 sqft

Property

Details

  • Parcel number: 20116300370000

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage 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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Drought
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 $3,673$44,076
Home Insurance *$181$2,172
Property Taxes $790$9,480
Electricity $681$8,177
Total$5,325$63,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,571/yr
40% on housing$159,750/yr
45% on housing$142,000/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

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 95835$271
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95835$287
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
2026-04-18Price change$749,486
2026-03-31Price change$759,486
2026-03-12Price change$804,486
2026-02-13Price change$805,486
2025-12-23Listed for sale$778,990

New Construction Spec

BrokerageLennar

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