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4640 North Ave, Sacramento, CA, 95821

4beds
3baths
1,998sqft
$689,000
$345price/sqft
$4,773/moest. monthly cost
$190,920/yrincome needed

About This Home

PRICE REDUCTION! Rare find! Built in 2016, this beautiful home with all the modern amenities is nestled in the highly desirable Mission/Greenwood community! This spacious 4 bedroom 3 bathroom two-story home is located within steps of Mission Avenue Park and close to award-winning schools in the San Juan Unified School District. Home chefs will love the kitchen with beautiful quartz countertops, many cabinets, stainless steel appliances, and abundant counterspace. The many features include an open concept floor plan, cathedral ceilings, new tankless water heater, fire spinklers, multi-zoned HVAC, recessed lighting throughout, LED lighting throughout,dining bar, downstairs bedroom and full bathroom, gas fireplace, fully landscaped low-maintenance yards with a beautiful rose garden, beautiful patio setting with new pergola for those summer evenings to relax or entertain in! Conveniently located close to the American River bike trails, shopping, and freeway access! RV access possible.

Getting Around

48
WalkingCar-Dependent
30
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

6/10
Mira Loma High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stucco,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Range Hood,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker,Self Cleaning Oven,Tankless Water Heater
  • Laundry features: Laundry Room,Cabinets,Sink,Electric Dryer Hookup,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Bar,Dining/Living Combo

Features

  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,998 sqft

Kitchen

  • Features: Quartz Counter

Master Bathroom

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

Master Bedroom

  • Features: Closet,Walk-In Closet

Property

Details

  • Parcel number: 27100220630000
  • Zoning description: RD-5
  • Special condition: Standard

Features

  • Fencing: Back Yard

Lot

  • Lot size: 6,141 sqft
  • Features: Sprinklers In Rear,Curb(s)/Gutter(s),Landscape Back,Landscape Front,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $3,483$41,796
Home Insurance *$183$2,196
Property Taxes $679$8,148
Electricity $428$5,141
Total$4,773$57,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,645/yr
40% on housing$143,190/yr
45% on housing$127,280/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

$345This listing

vs Other Active Listings

Avg $/sqft

ZIP 95821$245
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95821$325
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
2026-05-13Price change$705,000
2026-05-03Listed for sale$725,000
2019-02-19Sold$480,000
2019-01-28Pending sale$499,000
2018-08-02Listed for sale$499,000
2016-10-05Sold$447,000
2015-11-09Sold$86,500
2013-12-11Sold$85,000

For Sale by Agent

AgentElissa Nakagawara
BrokerageRealty One Group Complete

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