Townhouse / Rowhouse home in Sacramento, CA
This 1,581-square-foot Townhouse home in Sacramento, CA includes 3 bedrooms and 3 bathrooms. Standout details include an attached garage.
| Price | $649,000 |
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| Beds | 3 |
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| Baths | 3 |
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| Sqft | 1581 |
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| Architectural style | Townhouse / Rowhouse (48% match) |
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| Address | 2821 Democracy Alley, Sacramento, CA 95816 |
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Why buy this home
- Confirmed Townhouse / Rowhouse architecture, matched from the listing photos by Enzo's vision model.
- Features: attached garage.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced a little under the area.
- At $649K, this home is 31% above the $495K median for 143 similar Townhouse / Rowhouse homes in Sacramento, CA.
- That works out to $410 per square foot, 36% above the $302 comparable rate.
- On the market 11 days.
| This home | $649,000 |
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| Townhouse / Rowhouse median in Sacramento, CA | $495,000 (143 homes) |
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| Price per sq ft | $410 vs. $302 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $4,445/month with 20% down at a 7.28% 30-year fixed rate. You would need about $190,492 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $3,552/mo |
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| Property tax (new-buyer reassessed rate) | $649/mo |
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| Homeowners insurance | $243/mo |
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| Total monthly | $4,445/mo |
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| Down payment (20%) | $129,800 |
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| Income needed | $190,492/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (57 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (57/100) |
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| Beats renting in | 7% of modeled paths |
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| Modeled 5-yr equity (median) | $281,834 |
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| Range (10th to 90th pct) | $162,053 to $425,777 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Sacramento, CA where local data is thin.
Local home values
Typical home values in Sacramento, CA have risen about 4% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately