523 Exchange St
Sacramento 95838 · Robla · City of Sacramento · Coordinates: 38.65967, -121.45379
Executive Verdict · Public-Records Synthesis
Zoned R-1 in City of Sacramento with likely ADU & SB 9 infill eligibility and zero mapped flood, fire, or fault hazard overlaps; benchmark value $444,000 ($391,000–$497,000).
Upsides & Opportunities
- ✓ ADU & SB 9 infill pathways screen as likely eligible
Zoned R-1 supports ministerial ADU/JADU review plus SB 9 both two-unit development and ministerial urban lot split on a 9,243 sq ft lot. Local precedent is active with 6 ADU permits within ¼ mile over the last 36 months.
Source: City of Sacramento zoning · CA Gov. Code 66314 & 65852.21
- ✓ Documented permitted upgrades (+$24,240 contributory est.)
Public building records show issued construction/renovation work on this parcel (4 total permits, latest Sep 10, 2021).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (parcel APN)
Watchouts & Due Diligence
- ! Mapped flood awareness zone (Zone X: minimal flood hazard)
all of the lot of the parcel intersects Zone X: minimal flood hazard. Outside mandatory federal SFHA insurance rules, but check local drainage and finished-floor requirements.
Source: FEMA National Flood Hazard Layer (parcel polygon)
- ! 6 slow or stalled nearby projects within ½ mile
Closest lead: The Robla Apartments (0.4 mi NE, entitled). 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 (~$5,512/yr at $444,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$459/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:
- 9,243 sq ft (0.21 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03155
- Addresses on lot:
- 523 EXCHANGE ST
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 lotLikely eligible
Zoned R-1, a single-family residential zone.
- SB 9: split into two lotsLikely eligible
Zoned R-1, a single-family residential zone. The lot is 9,243 sq ft by the assessor, room for two lots of at least 1,200 sq ft, each at least 40% of the original.
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 X: minimal flood hazard (all of the lot) · FIRM panel 06067C0062H, 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: $391,000 – $497,000 · Status: Off market
HUD Small Area FMR (ZIP 95838) · FY 2026
Studio $1,610 · 1BR $1,690 · 2BR $2,080 · 3BR $2,770 · 4BR $3,190
Developments Deserving Closer Investigation & Active Area Builders
- The Robla Apartments (Entitled)0.4 mi NE
In "Entitled" for 5.2 yr (since Aug 24, 2021), exceeding the 210d median and 627d 90th percentile for new multifamily / condos / mixed-use permits in City of Sacramento (n=199). High-impact scale (39 housing units across 0 permits).
- Robla Estates (Entitled)0.41 mi NE
In "Entitled" for 3.3 yr (since Jul 25, 2023), exceeding the 210d median and 627d 90th percentile for new multifamily / condos / mixed-use permits in City of Sacramento (n=199). High-impact scale (177 housing units across 0 permits).
- New home at 550 Regis Dr (In review)0.24 mi S
In "In review" for 16 mo (since Jul 16, 2025), exceeding the 45d median and 184d 90th percentile for new single-family home permits in City of Sacramento (n=3,657). current_status changed to "Expired Application" in snapshot Nov 1, 2026.
- 501 Pinedale Ave ADU (Entitled)310 ft NW
In "Entitled" for 5.2 yr (since Aug 16, 2021), 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: Amigos Roofing (1 on parcel, 1 in ½ mi · Roof replacement); Premier Pools (4 in ½ mi · Pool / spa); Coastal Region Construction (2 in ½ mi · Addition (adds square footage)); Sac Wireless Of CA (2 in ½ mi · Remodel / interior alteration); Judson Enterprises (2 in ½ mi · Addition (adds square footage)).
Permit & Project History on This Parcel (4 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-2119633 | Electrical / panel | Finaled | Iss. Sep 10, 2021 | $2,400 | AA: existing panel 125 Amps - Overhead service, new main panel 200 Amps, N/A weather head/masthead work, main breaker re… |
| RES-2103132 | Roof replacement | Finaled | Iss. Feb 15, 2021 | $20,010 | E-Permit: Tear Off - Yes, Resheet - Yes, 1 layer(s), 23 squares of Composite Class A. In-progress inspection required if… |
| RES-1716943 | Addition (adds square footage) | Expired Permit | Iss. Dec 13, 2017 | $50,500 | constructing a single story addition 335 sq ft, 61 sq ft porch, replacing 1 window like for like, overlay/remove exis… |
| RES-1702466 | Addition (adds square footage) | Expired Application | App. Feb 21, 2017 | $77,792 | Addition to existing single family residence addition of 494 sq. ft. habitable, 449 sq. ft. garage, and 61 sq. ft. cover… |