45 Lake House Ct
Sacramento 95828 · City of Sacramento · Coordinates: 38.50494, -121.43183
Executive Verdict · Public-Records Synthesis
Zoned R-2A-R in City of Sacramento with likely ministerial ADU eligibility and mapped FEMA A flood due diligence; benchmark value $422,000 ($359,000–$485,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone R-2A-R allows residential use qualifying for ministerial ADU review under state law.
Source: City of Sacramento zoning · CA Gov. Code 66314
- ✓ 1 documented municipal building permit on file
On-parcel permit history is indexed through Aug 7, 2020, letting you verify roof, HVAC, electrical, or structural work against seller disclosures.
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (parcel APN)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (A, about 4% 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)
- ! Delayed or open permit activity on this parcel
New single-family home (RES-1922202): Issued after 9 mo (5.9× the 45d median) — slower than 90% of new single-family home permits in City of Sacramento (median 45d, 90th pct 184d, n=3,657).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (review-time benchmark)
- ! 3 slow or stalled nearby projects within ½ mile
Closest lead: Wellspace Health MHRC (Stockton Blvd) - Rehab Center Bldg & Site (0.15 mi W, issued). 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 (~$5,261/yr at $422,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$438/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:
- 2,788 sq ft (0.06 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03370
- Addresses on lot:
- 45 LAKE HOUSE CT
Zoning & Land Use
R-2A-R — Multi-Unit Dwelling Zone (R)
2040 General Plan: Neighborhood (FAR up to 2)
State Housing Pathways Screen (ADU & SB 9)
- ADU or junior ADULikely eligible
Zoned R-2A (multifamily residential): state law allows ADUs where homes are allowed. On a multifamily lot the state allowance is different: ADUs in non-living space of the building, plus up to eight detached ADUs.
- SB 9: two homes on the lotUnlikely
Zoned R-2A (multifamily residential), not a single-family residential zone.
- SB 9: split into two lotsUnlikely
Zoned R-2A (multifamily residential), not a single-family residential zone.
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 4% of the lot); Zone X: 0.2% annual chance flood hazard (shaded X) (about 96% of the lot) · FIRM panel 06067C0195H, 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: $359,000 – $485,000 · Status: Off market
HUD Small Area FMR (ZIP 95828) · FY 2026
Studio $1,630 · 1BR $1,710 · 2BR $2,100 · 3BR $2,800 · 4BR $3,220
Nearby Activity (½ mile radius, since November 2024)
8 active or recent development projects (19 housing units across completed, permitted, and pipeline stages) and 111 total building permits recorded within ½ mile.
- New construction11 permits (32 units)
Developments Deserving Closer Investigation & Active Area Builders
- Wellspace Health MHRC (Stockton Blvd) - Rehab Center Bldg & Site (Issued)0.15 mi W
Active in "Issued" for 14 mo (first record Sep 25, 2025) with no new permit activity recorded in 7 mo. High-impact scale ($20,000,000 declared valuation across 2 permits). current_status changed to "Finaled" in snapshot Nov 1, 2026.
- New single-family home (RES-1922202) (Finaled)On this parcel
Issued after 9 mo (5.9× the 45d median) — slower than 90% of new single-family home permits in City of Sacramento (median 45d, 90th pct 184d, n=3,657).
- Extended Stay Hotel on Stockton Blvd (Issued)0.18 mi NW
Active in "Issued" for 4 yr (first record Oct 26, 2022) with no new permit activity recorded in 2.5 yr. High-impact scale ($3,610,736 declared valuation across 11 permits).
- Wellspace Health WCWC (Stockton Blvd) - Treatment Center Building (In review)0.25 mi W
High-impact scale ($30,171,943 declared valuation across 2 permits). current_status changed to "Plan Check Wait" in snapshot Nov 1, 2026.
Entity-resolved builders & contractors in ½ mile: Dainamic Builders (1 on parcel, 29 in ½ mi · New single-family home); Legacy Stone Works (5 in ½ mi · Demolition); Jd Rodli Construction (4 in ½ mi · Commercial tenant improvement); Sbm Builder (2 in ½ mi · New multifamily / condos / mixed-use); Tq Construction Services (2 in ½ mi · Commercial tenant improvement).
Permit & Project History on This Parcel (1 permits, 1 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-1922202 | New single-family home | Finaled | Iss. Aug 7, 2020 | $228,729 | Lake house estates plan 1741B/LOT 12-New 2 story single family residence. First floor: 743, Second floor: 998. Garage:… |
State HCD Housing Element APR records on this parcel: 1 entry (report years 2020).