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2314 Bay Horse Ln, Sacramento, CA, 95835

2beds
2baths
1,087sqft
$435,000
$400price/sqft
$3,209/moest. monthly cost
$128,360/yrincome needed

About This Home

Welcome to Heritage Park, a premier 55+ active adult community offering exceptional resort-style living. This beautifully maintained 2 bedroom, 2 full bath duet home welcomes you with a bright and inviting living room that flows seamlessly into a well-appointed kitchen featuring NEW stainless-steel appliances (range, microwave, dishwasher), rich maple cabinetry, and elegant Corian countertops. The spacious breakfast nook offers built-in seating, additional storage, and direct access to a large, private backyard perfect for enjoying your morning coffee or entertaining family and friends. Designed for easy maintenance, the backyard features a covered patio with NEW pavers creating an ideal outdoor retreat for relaxing or hosting gatherings. The rear-entry two-car garage, equipped with a NEW garage door opener, provides gated access for added privacy and security, along with generous space. The NEW HVAC and furnace offer perfect temperature regulation throughout. The spacious primary suite offers a peaceful retreat complete with a large en-suite bathroom and a custom closet organizer. Thoughtfully positioned on the opposite side of the home, the secondary bedroom and full bath provide added privacy for guests or visiting family members. Life at Heritage Park extends well beyond your front door. The 25,000-square-foot clubhouse provide access to an impressive array of world-class amenities including, indoor and outdoor swimming pools, an on-site restaurant, ballroom, library, state-of-the-art fitness center, aerobics studio, five one-acre neighborhood parks, and more than 75 social clubs and recreational activities. Whether your interests include gardening, biking, water volleyball, bocce ball, tennis, or pickleball, there is something for everyone. Experience the perfect blend of comfort, convenience, and vibrant community living at Heritage Park where every day feels like a vacation.

Getting Around

3
WalkingCar-Dependent
16
TransitMinimal Transit
47
BikeSomewhat Bikeable

Schools

9/10
Northlake TK-8Grades K-81.8 mi
6/10
Rio Linda High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete,Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Oven
  • Laundry features: Laundry Room,Cabinets,Hookups Only,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Bar

Features

  • Flooring: Tile,Luxury Vinyl Plank

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,087 sqft

Kitchen

  • Features: Breakfast Area,Pantry Closet,Stone Counters

Master Bathroom

  • Features: Shower Stall(s)

Master Bedroom

  • Features: Ground Floor,Walk-In Closet

Property

Details

  • Parcel number: 20109600600000
  • Attached to another structure: Yes
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Community,Indoor,Lap
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 4,181 sqft
  • Features: Auto Sprinkler F&R,Curb(s)/Gutter(s),Street Lights,Landscape Back,Landscape Front,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Alley Access,Attached,Garage Door Opener,Garage Faces Rear,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • 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 $2,199$26,388
Home Insurance *$108$1,296
Property Taxes $504$6,048
Electricity $398$4,786
Total$3,209$38,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,022/yr
40% on housing$96,270/yr
45% on housing$85,573/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

$400This 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
2026-08-11Price change$428,500
2026-07-09Listed for sale$435,000
2024-07-31Sold$420,000
2024-07-10Pending sale$425,000
2024-06-21Listed for sale$425,000
2010-09-30Sold$175,000
2004-09-14Sold$302,000

For Sale by Agent

AgentLillian Winrow
BrokerageNextHome Premier Properties

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