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2604 S St, Sacramento, CA, 95816

3beds
2baths
1,244sqft
$735,000
$591price/sqft
$4,737/moest. monthly cost
$189,480/yrincome needed

About This Home

Welcome to this beautifully maintained 3-bedroom, 2-bath residence that blends timeless character with modern comfort. Inside, the light-filled living room features rich hardwood floors, elegant crown molding, large windows, and a classic front door with decorative glass accents. The spacious layout provides the perfect setting for everyday living and entertaining, while thoughtful updates preserve the home's original charm. Recent improvements include a tankless water heater, slate tile flooring, granite countertops, updated bathrooms, and stainless-steel appliances, seamlessly enhancing the character of this historic home. Move-in ready and ideally located in Midtown, this home is just minutes from parks, shopping, dining, and convenient commuter routes, offering an exceptional opportunity in a highly desirable neighborhood. The attached garage and partially finished basement provide additional flexible living space & lots of storage space. Don't miss this incredible opportunitythis home won't last long!

Getting Around

90
WalkingWalker's Paradise
55
TransitGood Transit
100
BikeBiker's Paradise

Schools

7/10
Miwok MiddleGrades 7-80.9 mi
6/10

Construction

Condition

  • Year built: 1923

Materials

  • Foundation: Pillar/Post/Pier,Raised
  • Roof: Composition
  • Construction materials: Frame,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Ice Maker,Dishwasher,Tankless Water Heater,Washer/Dryer Stacked Included
  • Laundry features: Laundry Closet,In Kitchen

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Breakfast Nook,Space in Kitchen

Features

  • Flooring: Slate,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,244 sqft

Kitchen

  • Features: Granite Counters

Property

Details

  • Zoning: SFR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Balcony
  • Fencing: Back Yard
  • Topography of land: Level,Level

Lot

  • Lot size: 3,049 sqft
  • Features: Low Maintenance

Parking

  • Total spaces: 3
  • Parking features: Attached,Tandem
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

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 $3,716$44,592
Home Insurance *$158$1,896
Property Taxes $465$5,580
Electricity $398$4,786
Total$4,737$56,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,411/yr
40% on housing$142,110/yr
45% on housing$126,320/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

$591This listing

vs Other Active Listings

Avg $/sqft

ZIP 95816$388
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95816$512
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
2026-08-08Price change$710,000
2026-07-31Price change$735,000
2026-07-16Listed for sale$750,000
2018-10-30Sold$515,000

For Sale by Agent

AgentTree Rawls
BrokerageHigh Priority Realty

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