3111 Harbor Cove Way
Sacramento 95835 · Creekside · City of Sacramento · Coordinates: 38.66827, -121.52991
Executive Verdict · Public-Records Synthesis
Zoned R-1A-PUD in City of Sacramento with likely ministerial ADU eligibility and mapped FEMA A99 flood due diligence; benchmark value $528,000 ($465,000–$591,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone R-1A-PUD allows residential use qualifying for ministerial ADU review under state law.
Source: City of Sacramento zoning · CA Gov. Code 66314
- ✓ Documented permitted upgrades (+$5,440 contributory est.)
Public building records show issued construction/renovation work on this parcel (2 total permits, latest Jul 16, 2018).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (parcel APN)
Watchouts & Due Diligence
- ! FEMA Special Flood Hazard Area (A99, all of the lot of lot)
Zone A99: 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)
- ! 1 slow or stalled nearby project within ½ mile
Closest lead: New home at 0 N Park Dr (0.23 mi SE, fee estimate). 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 (~$6,469/yr at $528,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$539/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:
- 3,010 sq ft (0.07 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03325
- Addresses on lot:
- 3111 HARBOR COVE WAY
Zoning & Land Use
R-1A-PUD — Single-Unit or Duplex 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-1A (two-family residential): state law allows ADUs where homes are allowed.
- SB 9: two homes on the lotCan't tell
Zoned R-1A (two-family residential): we can't tell whether it counts as a single-family zone for SB 9. Single-Unit or Duplex Dwelling Zone.
- SB 9: split into two lotsCan't tell
Zoned R-1A (two-family residential): we can't tell whether it counts as a single-family zone for SB 9. Single-Unit or Duplex Dwelling 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 A99: 1% annual chance flood (Special Flood Hazard Area) (all of the lot) · FIRM panel 06067C0045J, effective June 16, 2015
- CGS Alquist-Priolo Earthquake Fault Zone
- Not in an Alquist-Priolo Earthquake Fault Zone
Surrounding Rent & Value Benchmarks (Public Records)
Range: $465,000 – $591,000 · Status: Off market
HUD Small Area FMR (ZIP 95835) · FY 2026
Studio $2,200 · 1BR $2,310 · 2BR $2,840 · 3BR $3,780 · 4BR $4,360
Developments Deserving Closer Investigation & Active Area Builders
- New home at 0 N Park Dr (Fee estimate)0.23 mi SE
In "Fee estimate" for 18 mo (since May 19, 2025), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657).
- Portisol BLDG 5 (4Plex A-Alt) (Finaled / completed)0.43 mi NW
High-impact scale (4 housing units, $1,037,914 declared valuation across 2 permits).
- Portisol BLDG 4 (4Plex B) (Finaled / completed)0.43 mi NW
High-impact scale (4 housing units, $1,031,214 declared valuation across 2 permits).
- Portisol BLDG 2 (4PlexA) (Finaled / completed)0.44 mi NW
High-impact scale (4 housing units, $1,031,214 declared valuation across 1 permit).
Entity-resolved builders & contractors in ½ mile: KB Home Sacramento (1 on parcel, 577 in ½ mi · New single-family home); Sunpower (1 on parcel, 1 in ½ mi · Solar / battery storage); Connected Technology (20 in ½ mi · Remodel / interior alteration); Ev Electric Residential (9 in ½ mi · Remodel / interior alteration); Clark Wagaman Designs (7 in ½ mi · Addition (adds square footage)).
Permit & Project History on This Parcel (2 permits, 1 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-1813416 | Solar / battery storage | Finaled | Iss. Jul 16, 2018 | $12,000 | 3.02kw Solar PV System, Carbon monoxide & Smoke alarms required. Reference CRC sections R315 & R314, Water conserving fi… |
| RES-1806279 | New single-family home | Finaled | Iss. May 11, 2018 | $273,479 | Plan 2137B, NSFR, Two Story, 1st Flr 883 sf, 2nd Flr 1254 sf, Garage 421 sf, Patio 117 sf, Porch 55 sf. |
State HCD Housing Element APR records on this parcel: 1 entry (report years 2018).