912 Stern Cir
Sacramento 95822 · Little Pocket · City of Sacramento · Coordinates: 38.52511, -121.52600
Executive Verdict · Public-Records Synthesis
Zoned R-1 in City of Sacramento with likely ministerial ADU eligibility and mapped FEMA AE flood due diligence; benchmark value $564,000 ($496,000–$632,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone R-1 allows residential use qualifying for ministerial ADU review under state law (2 ADU permits permitted within ¼ mile in 36 months).
Source: City of Sacramento zoning · CA Gov. Code 66314
- ✓ 1 documented municipal building permit on file
On-parcel permit history is indexed through Nov 18, 2025, letting you verify roof, HVAC, electrical, or structural work against seller disclosures.
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (parcel APN)
- ✓ Above-average reinvestment in Little Pocket
23 substantial renovation & housing permits over 24 months (54.1 per 1,000 parcels vs. 30.4 citywide baseline) (#41 of 102 neighborhoods).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (Little Pocket)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (AE, about 43% of the lot of lot)
Zone AE: 1% annual chance flood (Special Flood Hazard Area) overlaps this parcel. Expect mandatory flood insurance for federally backed loans and floodplain elevation/mitigation rules for new units or SB 9 applications.
Source: FEMA National Flood Hazard Layer (parcel polygon)
- ! 6 slow or stalled nearby projects within ½ mile
Closest lead: New home at 913 Piedmont Dr (0.45 mi N, in review). Inspect timeline history before assuming near-term completion.
Source: City of Sacramento CDD, Issued Building Permits (Current Year) · HCD APR (½-mile radius)
- ! Year 1 Prop 13 tax reset (~$6,880/yr at $564,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$573/mo). Confirm exact Mello-Roos / CFD special assessments on the county tax bill.
Source: CA Const. Art. XIIIA (Prop 13) · County Tax Collector
Parcel & Assessor
- Lot size:
- 35,908 sq ft (0.82 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03064
- Addresses on lot:
- 912 STERN CIR
Zoning & Land Use
R-1 — Single-Unit Dwelling Zone (R)
2040 General Plan: Neighborhood (FAR up to 1)
State Housing Pathways Screen (ADU & SB 9)
- ADU or junior ADULikely eligible
Zoned R-1 (single-family residential): state law allows ADUs where homes are allowed.
- SB 9: two homes on the lotPossible, with conditions
Zoned R-1, a single-family residential zone. FEMA Special Flood Hazard Area (Zone AE) covers about 43% of the lot: the project must meet the National Flood Insurance Program floodplain standards, or the lot needs a map revision.
- SB 9: split into two lotsPossible, with conditions
Zoned R-1, a single-family residential zone. The lot is 35,908 sq ft by the assessor, room for two lots of at least 1,200 sq ft, each at least 40% of the original. FEMA Special Flood Hazard Area (Zone AE) covers about 43% of the lot: the project must meet the National Flood Insurance Program floodplain standards, or the lot needs a map revision.
Mapped Hazard Zones on This Lot
- CAL FIRE Fire Hazard Severity Zone
- Not in a State-mapped fire hazard severity zone
- FEMA National Flood Hazard Layer
- Zone AE: 1% annual chance flood (Special Flood Hazard Area) (about 43% of the lot); Zone X: reduced flood risk due to levee (about 57% of the lot) · FIRM panel 06067C0170H, effective August 16, 2012
- CGS Alquist-Priolo Earthquake Fault Zone
- Not in an Alquist-Priolo Earthquake Fault Zone
Surrounding Rent & Value Benchmarks (Public Records)
Range: $496,000 – $632,000 · Status: Off market
HUD Small Area FMR (ZIP 95822) · FY 2026
Studio $1,620 · 1BR $1,700 · 2BR $2,090 · 3BR $2,780 · 4BR $3,210
Developments Deserving Closer Investigation & Active Area Builders
- New home at 913 Piedmont Dr (In review)0.45 mi N
In "In review" for 12 mo (since Nov 26, 2025), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657). High-impact scale (1 housing unit, $850,000 declared valuation across 1 permit).
- Accessory dwelling unit at 5601 Dorset Way (In review)0.31 mi E
In "In review" for 21 mo (since Feb 5, 2025), exceeding the 184d median and 575d 90th percentile for new duplex / half-plex permits in City of Sacramento (n=115).
- Accessory Dwelling Unit (Entitled)0.41 mi N
In "Entitled" for 6.7 yr (since Feb 28, 2020), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657).
- Garage and Accessory Dwelling Unit (Entitled)0.41 mi N
In "Entitled" for 6.7 yr (since Feb 21, 2020), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657).
Entity-resolved builders & contractors in ½ mile: Av Electric (1 on parcel, 1 in ½ mi · Electrical / panel); Premier Pools (8 in ½ mi · Pool / spa); Aj Builders (5 in ½ mi · Addition (adds square footage)); Kitchen Mart (4 in ½ mi · Remodel / interior alteration); Pacific Builders (4 in ½ mi · Addition (adds square footage)).
Permit & Project History on This Parcel (1 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-2524117 | Electrical / panel | Issued | Iss. Nov 18, 2025 | $2,900 | Electrical Permit. Change out of a 200 amp panel, like for like, replacing the weather head and main breaker. Carbon mo… |