845 W Cove Way
Sacramento 95831 · Pocket · City of Sacramento · Coordinates: 38.47967, -121.53096
Executive Verdict · Public-Records Synthesis
Zoned R-1-PUD in City of Sacramento with likely ministerial ADU eligibility and mapped FEMA A flood due diligence; benchmark value $663,000 ($583,000–$743,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone R-1-PUD allows residential use qualifying for ministerial ADU review under state law.
Source: City of Sacramento zoning · CA Gov. Code 66314
- ✓ 3 documented municipal building permits on file
On-parcel permit history is indexed through Oct 16, 2026, 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 Pocket
318 substantial renovation & housing permits over 24 months (35.6 per 1,000 parcels vs. 30.4 citywide baseline) (#19 of 102 neighborhoods).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (Pocket)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (A, about 1% of the lot of lot)
Zone A: 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)
- ! 2 slow or stalled nearby projects within ½ mile
Closest lead: New home at 22 Rivershore Ct (0.34 mi SE, 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 (~$8,008/yr at $663,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$667/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:
- 10,890 sq ft (0.25 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03165
- Addresses on lot:
- 845 W COVE WAY
Zoning & Land Use
R-1-PUD — 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 A) covers about 1% 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 10,890 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 A) covers about 1% 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 A: 1% annual chance flood (Special Flood Hazard Area) (about 1% of the lot); Zone X: reduced flood risk due to levee (about 99% of the lot) · FIRM panel 06067C0285H, 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: $583,000 – $743,000 · Status: Off market
HUD Small Area FMR (ZIP 95831) · FY 2026
Studio $1,980 · 1BR $2,070 · 2BR $2,550 · 3BR $3,390 · 4BR $3,910
Developments Deserving Closer Investigation & Active Area Builders
- New home at 22 Rivershore Ct (In review)0.34 mi SE
In "In review" for 4 mo (since Jul 28, 2026), exceeding the 45d median and 85d 75th percentile for new single-family home permits in City of Sacramento (n=3,657). High-impact scale (1 housing unit, $919,771 declared valuation across 1 permit). work_desc changed to "EPC - DUE TO LIMITATIONS OF RECONSTRUCTION. THIS PERMIT WILL REPLACE RES-2525938 WHEN ISSUED. New single family dwelling will be 4,963 sq. ft. with 5 bedrooms and 4.5 bathrooms. PV SOLAR, 10 KW. TO REMAIN UNDER THE 2022 CODE PER ORIGINAL SUBMITTAL. Shared plans reviewed under RES-2616154. Carbon monoxide & Smoke alarms are required. Reference CRC sections R310 & R311. Water conserving fixtures are required to be installed throughout this residence per SB 407 (Note: Residences built after January 1, 1994 are exempt). Any new landscaping done on this property is to be in compliance with the City’s Water Efficient Landscape Ordinance 15.92. All work subject to field inspections." in snapshot Nov 1, 2026.
- Soohoo Leon Residence 863 Cobble Cove Ln (Entitled)0.11 mi NE
In "Entitled" for 6.2 yr (since Sep 2, 2020), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657).
- New home at 863 Cobble Cove Ln (Finaled / completed)480 ft NE
High-impact scale (1 housing unit, $900,000 declared valuation across 2 permits).
Entity-resolved builders & contractors in ½ mile: Kustom Us (1 on parcel, 1 in ½ mi · HVAC / heat pump); Das Mechanical (1 on parcel, 1 in ½ mi · HVAC / heat pump); Ev Electric Residential (1 on parcel, 1 in ½ mi · Remodel / interior alteration); Precision General Commercial Contractors (16 in ½ mi · Commercial tenant improvement); Connected Technology (14 in ½ mi · Remodel / interior alteration).
Permit & Project History on This Parcel (3 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-2623161 | HVAC / heat pump | Issued | Iss. Oct 16, 2026 | $60,000 | Repairs Permit: Smoke and minor fire damage at the garage and right exterior elevation. Replace 7 windows like for like… |
| RES-2319261 | Remodel / interior alteration | Finaled | Iss. Sep 20, 2023 | $650 | INSTALLATION OF A TESLA WALL CONNECTOR ON A NEW 40 AMP CIRCUIT USING 8/2NM CABLE. Carbon monoxide & Smoke alarms require… |
| RES-2314786 | HVAC / heat pump | Finaled | Iss. Jul 17, 2023 | $51,256 | No Duct Work Permitted. Change-out Split System to Split System. Doing 3 separate HVAC units at this address and 1 groun… |