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209 25th St
Sacramento, CA

209 25th St

$625,000
2 bd • 2 ba • 997 sf

This analysis was generated by artificial intelligence on 1/16/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$625,000

Price/Sq.Ft

$627

Year Built

1935

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This charming Midtown Sacramento property at 209 25th St offers a prime location in a vibrant neighborhood. At $626.88/sqft, it's priced competitively compared to the median two-bedroom rental rate of $2,040/month, suggesting good value. The home features modern updates like a tankless water heater, which can reduce energy costs by 24-34% compared to traditional models. The expansive backyard with 20-ft citrus trees and camellias adds significant value, as outdoor space is highly prized in urban settings. Additional features like RV access, off-street parking, and an extra storage shed provide flexibility rarely found in Midtown properties. The home's location on a peaceful cul-de-sac balances tranquility with proximity to Midtown's amenities, enhancing its appeal.

The Bad

At 997 square feet, the property is smaller than many comparable homes in the area, which may limit its appeal to some buyers. The home's age (built in 1935) suggests potential for higher maintenance costs and necessary updates. The flood risk score of 5/10 (MAJOR) is concerning and may lead to higher insurance premiums. The extreme air quality risk (10/10) with 27 bad air days per year could be a significant health concern for some buyers. The severe heat risk (7/10) with 7 hot days per year indicates a need for robust cooling systems, potentially increasing energy costs.

The Ugly

The property's price has increased dramatically from $301,000 in 2010 to the current $625,000 listing, a 107.6% increase. This rapid appreciation may not be sustainable and could indicate a potential market bubble. The estimated insurance cost of $2,250/year is high, likely due to the significant flood and fire risks. The extreme air quality risk (10/10) is a major concern that could impact long-term health and quality of life. The nearby schools have mixed ratings (4/10 for elementary, 7/10 for middle, and 6/10 for high school), which may deter families with school-age children.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is best suited for young professionals or couples without children who value a vibrant urban lifestyle. With a median income of $77,839 in the area, buyers should have a household income of at least $150,000 to comfortably afford the property (based on a 28% front-end debt-to-income ratio). It's ideal for those who prioritize location over space, appreciate historic charm, and enjoy outdoor entertaining. Investors looking for short-term rentals could benefit from the property's proximity to Midtown's attractions, potentially commanding rents above the $2,040/month median for two-bedroom units.

Not For

This property is not suitable for larger families needing more space, as the 997 square feet and two-bedroom layout may feel cramped. Buyers with respiratory issues should be cautious due to the extreme air quality risk. It's not ideal for those seeking a low-maintenance or move-in ready home, as the 1935 construction may require ongoing updates. Risk-averse buyers or those on a tight budget may struggle with the high insurance costs and potential for flood-related expenses. First-time homebuyers might find the price point challenging, especially considering potential additional costs for renovations and climate mitigation.
Demographics
Area Median Income

$77,839

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Risk Assessment

Climate Risks

airEXTREME

27 bad air quality days per year

heatSEVERE

7 extreme heat days per year

98th percentile: 102°F

floodMAJOR

FEMA Zone: X

Insurance: Required

fireMODERATE

Insurance: Recommended

windMINIMAL

Insurance: Optional

Risk Analysis

The major flood risk (5/10) and location in FEMA Zone X suggest a high likelihood of future flooding issues, potentially leading to property damage and increased insurance costs. The moderate fire risk (4/10) and extreme air quality risk (10/10) could impact both health and property value over time. The severe heat risk (7/10) may necessitate costly HVAC upgrades or increased energy usage. The property's age (88 years) increases the likelihood of major system failures or necessary upgrades in the near future, such as plumbing, electrical, or roofing. The rapid price appreciation since 2010 (107.6% increase) may indicate a potential market correction, risking future property value.
Insurance
Annual Cost

$2,250

$188 per month

Financials

Monthly Costs
Market Rent (2 bed)

$2,040

Get a detailed rental estimate on Zillow®

Price History

Property Taxes

$4,540
2024 Tax Assessment
2.4%from previous year
Assessed Value$380,904
Tax Rate1.19%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$539,833

-13.6% below list price

Median Price

$659,000

Based on 6 recent sales

Price per Sq.Ft

$531

Comparable Properties

415 26th Street, Sacramento, CA 95816
Price: $659,000
Sq.Ft: 1,040
Beds/Baths: 3/2
$/Sq.Ft:
$6341.1%
Sale Date: 10/22/2024
842 41st Street, Sacramento, CA 95819
Price: $765,000
Sq.Ft: 1,070
Beds/Baths: 2/2
$/Sq.Ft:
$71514.0%
Sale Date: 9/5/2024
1117 23rd Street, Sacramento, CA 95816
Price: $257,500
Sq.Ft: 819
Beds/Baths: 1/2
$/Sq.Ft:
$31449.8%
Sale Date: 10/8/2024
1117 23rd Street, Sacramento, CA 95816
Price: $257,500
Sq.Ft: 819
Beds/Baths: 1/2
$/Sq.Ft:
$31449.8%
Sale Date: 10/8/2024
3904 D Street, Sacramento, CA 95819
Price: $775,000
Sq.Ft: 1,189
Beds/Baths: 2/2
$/Sq.Ft:
$6524.0%
Sale Date: 9/6/2024
1818 L Street, Sacramento, CA 95811
Price: $525,000
Sq.Ft: 942
Beds/Baths: 1/1
$/Sq.Ft:
$55711.1%
Sale Date: 11/9/2024

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