3945 Clay St
Sacramento 95838 · Del Paso Heights · City of Sacramento · Coordinates: 38.64003, -121.43983
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 $392,000 ($345,000–$439,000).
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 6,098 sq ft lot. Local precedent is active with 4 ADU permits within ¼ mile over the last 36 months.
Source: City of Sacramento zoning · CA Gov. Code 66314 & 65852.21
- ✓ Documented permitted upgrades (+$12,125 contributory est.)
Public building records show issued construction/renovation work on this parcel (8 total permits, latest Jul 2, 2024).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (parcel APN)
- ✓ Above-average reinvestment in Del Paso Heights
27 substantial renovation & housing permits over 24 months (21.1 per 1,000 parcels vs. 30.4 citywide baseline) (#1 of 102 neighborhoods).
Source: City of Sacramento CDD, Issued Building Permits (Current Year) (Del Paso Heights)
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: New home at 1018 Beacon Bay Way (0.25 mi NW, 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 (~$4,919/yr at $392,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$410/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:
- 6,098 sq ft (0.14 ac)
- Assessor use:
- Residential · Single Family · Subdivision
- Tax rate area:
- 03138
- Addresses on lot:
- 3945 CLAY 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 6,098 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 06067C0064J, 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: $345,000 – $439,000 · 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
- New home at 1018 Beacon Bay Way (Issued)0.25 mi NW
Active in "Issued" for 13 mo (first record Oct 17, 2025) with no new permit activity recorded in 12 mo. current_status changed to "Finaled" in snapshot Nov 1, 2026.
- New home at 1131 Jessie Ave (Issued)0.28 mi N
Active in "Issued" for 13 mo (first record Sep 30, 2025) with no new permit activity recorded in 13 mo. project_name changed to "Plan 1429A LOT 41 Jessie- Archer Estates" in snapshot Nov 1, 2026.
- New home at 1119 Jessie Ave (Issued)0.29 mi N
Active in "Issued" for 13 mo (first record Sep 30, 2025) with no new permit activity recorded in 13 mo. project_name changed to "Plan 2388A LOT 39 Jessie- Archer Estates" in snapshot Nov 1, 2026.
- New home at 1113 Jessie Ave (Issued)0.29 mi N
Active in "Issued" for 13 mo (first record Sep 30, 2025) with no new permit activity recorded in 13 mo. project_name changed to "Plan 2686C Jessie- lot 38 Archer Estates" in snapshot Nov 1, 2026.
Entity-resolved builders & contractors in ½ mile: Solarcity (2 on parcel, 2 in ½ mi · Plan revision / deferred submittal); Service Monster (2 on parcel, 2 in ½ mi · Roof replacement); Njg Enterprises (1 on parcel, 1 in ½ mi · General repair); The Right Choice Home Remodeling (1 on parcel, 1 in ½ mi · Plumbing / water heater / sewer); Pruden Roofing (1 on parcel, 1 in ½ mi · Solar / battery storage).
Permit & Project History on This Parcel (8 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-2414510 | Plumbing / water heater / sewer | Expired Permit | Iss. Jul 2, 2024 | $8,000 | E-Permit: Water Re-pipe, 200 L.F. |
| RES-2316225 | General repair | Finaled | Iss. Aug 23, 2023 | $39,947 | EPC - Foundation Repair (Installation of 10 piles) Carbon monoxide & Smoke alarms required. Reference CRC sections R3… |
| RES-2303533 | Roof replacement | Finaled | Iss. Feb 22, 2023 | $4,440 | E-Permit: Tear Off - Yes, Resheet - No, 1 layer(s), 6 squares of Composite Class A. In-progress inspection required if 1… |
| RES-2303531 | Roof replacement | Finaled | Iss. Feb 22, 2023 | $4,440 | E-Permit: Tear Off - Yes, Resheet - No, 1 layer(s), 6 squares of Composite Class A. In-progress inspection required if 1… |
| RES-1804033 |