510 Harding Ave
Sacramento 95833 · Gardenland · City of Sacramento · Coordinates: 38.60825, -121.47375
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 $603,000 ($531,000–$675,000).
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
- ✓ 4 documented municipal building permits on file
On-parcel permit history is indexed through May 21, 2025, 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 (0.23 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 (~$7,324/yr at $603,000)
Sale triggers reassessment to 1.00% base + ~0.14% voter debt (~$610/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:
- 10,019 sq ft (0.23 ac)
- Assessor use:
- Residential · Four Family · Fourplex
- Tax rate area:
- 03126
- Addresses on lot:
- 500 HARDING AVE; 502 HARDING AVE; 504 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 10,019 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: $531,000 – $675,000 · 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)0.23 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)0.24 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)0.26 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)0.26 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: Abe Builders (3 on parcel, 3 in ½ mi · Plumbing / water heater / sewer); Tinocos General Construction (1 on parcel, 1 in ½ mi · Plumbing / water heater / sewer); General Electrician And Contractor (8 in ½ mi · Commercial tenant improvement); Master Building Solutions (5 in ½ mi · New single-family home); Loder Construction (4 in ½ mi · Commercial tenant improvement).
Permit & Project History on This Parcel (4 permits, 0 grouped projects)
| Record # | Category | Status | Applied / Issued | Valuation | Description |
|---|---|---|---|---|---|
| RES-2510492 | Plumbing / water heater / sewer | Finaled | Iss. May 21, 2025 | $1,250 | Change-out installation of Electric - 030 gallon to Electric - 030 gallon, located inside building, screening not requir… |
| COM-2114775 | Plumbing / water heater / sewer | Finaled | Iss. Jul 20, 2021 | $20,000 | Permit to complete expired permit COM-2023083 HSG Case 19-017948: Remodel inside of unit 500. To include full kitchen a… |
| COM-2023083 | Plumbing / water heater / sewer | Expired Permit | Iss. Dec 16, 2020 | $20,000 | HSG Case 19-017948: Remodel inside of unit 500. To include full kitchen and bathroom. Repair of water damaged Sheetrock … |
| RES-2023082 | Plumbing / water heater / sewer | Void | App. Dec 14, 2020 | $20,000 | Remodel inside of unit 500. To include full kitchen and bathroom. Repair of water damaged Sheetrock and properly repairi… |