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5500 Tierra Gardens Ln, Carmichael, CA, 95608

5beds
3baths
3,062sqft
$825,000
$269price/sqft
$5,893/moest. monthly cost
$235,720/yrincome needed

About This Home

Ideally located just minutes to Jesuit High School, including Victory Christian School and approximately 12-15 minutes to St. Francis High School, with additional private and charter school options including Sacramento Country Day School all within close reach, this location offers exceptional convenience for a variety of educational preferences. Tucked within one of Carmichael's most desirable and intimate communities, this beautifully maintained residence is part of an exclusive enclave of just 15 homes, ideally backed to a quieter, lower-traffic street, offering a rare sense of charm and tranquility. From the moment you arrive, lush landscaping and inviting curb appeal, enhanced by HOA-maintained front landscaping set the tone for what awaits inside. Sunlight pours through expansive windows, illuminating soaring ceilings and creating a light, airy ambiance that feels both welcoming and refined. Thoughtfully designed for everyday living and effortless entertaining, the home offers five bedrooms and three full bathrooms, including a highly desirable main-level bedroom and full bath ideal for guests or multigenerational living. A spacious game room adds flexibility, perfect for recreation, media, or a private retreat. At the heart of the home, the kitchen flows seamlessly into the main living areas, creating a natural space for gathering and connection. Well-appointed with an island featuring a built-in sink, extensive cabinetry, and generous prep space, it blends functionality with everyday ease. Expansive windows frame views of the beautifully landscaped backyard, enhancing the home's warm, light-filled ambiance. Step outside to a serene, resort-inspired backyard where mature trees, lush greenery, and thoughtfully curated landscaping create a beautiful and inviting setting. A covered patio offers the perfect space for shaded outdoor dining or relaxing, while the built-in pool invites refreshing enjoyment on warm days. The outdoor BBQ area sets the stage for effortless entertaining, all surrounded by a picturesque landscape that brings a sense of calm and natural beauty to everyday living. This is a must see!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

2/10
Starr King K-8Grades K-81.2 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Range Hood,Dishwasher,Microwave
  • Laundry features: Laundry Room,Cabinets,Sink,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Formal Area

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,062 sqft

Kitchen

  • Features: Pantry Cabinet,Granite Counters,Island w/Sink,Tile Counters

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Tub,Walk-In Closet(s),Window

Property

Details

  • Parcel number: 27203600010000
  • Zoning description: R-1
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: In Ground,Pool/Spa Combo,Fenced
  • Exterior features: Outdoor Kitchen,Outdoor Grill

Lot

  • Lot size: 8,755 sqft
  • Features: Auto Sprinkler F&R,Dead End

Parking

  • Total spaces: 3
  • Parking features: Attached,Restrictions
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
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 $4,171$50,052
Home Insurance *$231$2,772
Property Taxes $835$10,020
Electricity $656$7,879
Total$5,893$70,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$202,045/yr
40% on housing$176,790/yr
45% on housing$157,146/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

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 95608$326
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
2026-04-16Listed for sale$899,900
2026-04-12Pending sale$899,900
2026-04-10Listed for sale$899,900
2015-04-17Sold$545,000
2015-02-24Price change$565,000
2015-02-19Listed for sale$590,000
2015-02-12Pending sale$590,000
2015-01-17Price change$590,000
2014-10-10Listed for sale$650,000
2009-07-30Sold$590,000
2002-09-27Sold$493,000

For Sale by Agent

AgentJill LaKomy
BrokerageNick Sadek Sotheby's International Realty

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