470 Harding Ave
Sacramento 95833 · Gardenland · City of Sacramento · Coordinates: 38.60825, -121.47351
Executive Verdict · Public-Records Synthesis
Zoned R-1 in City of Sacramento with likely ministerial ADU eligibility and mapped FEMA A99 flood due diligence; benchmark value $466,000 ($410,000–$522,000).
Upsides & Opportunities
- ✓ Ministerial ADU / JADU pathway likely eligible
Zone R-1 allows residential use qualifying for ministerial ADU review under state law (6 ADU permits permitted within ¼ mile in 36 months).
Source: City of Sacramento zoning · CA Gov. Code 66314
- ✓ 17 documented municipal building permits on file
On-parcel permit history is indexed through May 1, 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)
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)
- ! 6 slow or stalled nearby projects within ½ mile
Closest lead: for 12 Unit Apartment Building (0.24 mi W, 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 (~$5,762/yr at $466,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$480/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:
- 20,473 sq ft (0.47 ac)
- Assessor use:
- Residential · Court
- Tax rate area:
- 03126
- Addresses on lot:
- 470 HARDING AVE; 470 HARDING AVE UNIT 8 UNIT 8; 474 HARDING AVE
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 lotPossible, with conditions
Zoned R-1, a single-family residential zone. FEMA Special Flood Hazard Area (Zone A99) covers all 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 20,473 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 A99) covers all 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 A99: 1% annual chance flood (Special Flood Hazard Area) (all of the lot) · FIRM panel 06067C0176J, 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: $410,000 – $522,000 · Status: Off market
HUD Small Area FMR (ZIP 95833) · FY 2026
Studio $1,920 · 1BR $2,020 · 2BR $2,480 · 3BR $3,300 · 4BR $3,810
Developments Deserving Closer Investigation & Active Area Builders
- for 12 Unit Apartment Building (Fee estimate)0.24 mi W
In "Fee estimate" for 7.5 yr (since May 31, 2019), exceeding the 210d median and 627d 90th percentile for new multifamily / condos / mixed-use permits in City of Sacramento (n=199). High-impact scale (12 housing units, $1,390,404 declared valuation across 1 permit).
- Apartment Building (Entitled)0.26 mi NW
In "Entitled" for 5.8 yr (since Feb 4, 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 (12 housing units, $2,505,854 declared valuation across 2 permits).
- Northview Estate (Entitled)0.27 mi W
In "Entitled" for 5.8 yr (since Jan 22, 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 (11 housing units across 0 permits).
- Northview Pointe (Entitled)0.28 mi W
In "Entitled" for 5.5 yr (since May 19, 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 (67 housing units across 0 permits).
Entity-resolved builders & contractors in ½ mile: Sierra Pacific Home And Comfort (1 on parcel, 1 in ½ mi · HVAC / heat pump); Alejandro Barreto (1 on parcel, 1 in ½ mi · Roof replacement); Triple R Roofing (1 on parcel, 1 in ½ mi · Roof replacement); Plumber Hero (1 on parcel, 1 in ½ mi · Plumbing / water heater / sewer); General Electrician And Contractor (8 in ½ mi · Commercial tenant improvement).
Permit & Project History on This Parcel (17 permits, 0 grouped projects)
Showing 15 most recent permits| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| COM-2608360 | Plumbing / water heater / sewer | Finaled | Iss. May 1, 2026 | $10,000 | #: 20-003533 BLDG 470 UNIT 8 NEW WINDOWS THROUGHOUT; MINOR ELECTRICAL AND PLUMBING REPAIRS. Carbon monoxide & Smoke… |
| COM-2608359 | Plumbing / water heater / sewer | Void | App. Apr 27, 2026 | $10,000 | #: 20-003533 BLDG 470 UNIT 8 NEW WINDOWS THROUGHOUT; MINOR ELECTRICAL AND PLUMBING REPAIRS. Carbon monoxide & Smoke… |
| RES-2523664 | Roof replacement | Finaled | Iss. Nov 12, 2025 | $25,000 | HDB CASE #20-003533 - 474 HARDING AVE, UNITS 6 & 7 (duplex) : Permit complete work under expired permits RES-2419060 & R… |
| RES-2522726 | Roof replacement | Finaled | Iss. Oct 30, 2025 | $15,000 | HSG #: 20-003533. Permit to complete work commenced under expired permit RES-2507654. UNIT #5 -- Tear off and install … |