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Single Family ResidenceResidential
$582,976$289 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $155,000 on Nov 21, 1996

322 ZEPHYR RANCH DR

SACRAMENTO, CA 95831
3
Beds
2.5
Baths
2,020 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$583K
$559K low$607K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$155,000 · Nov 21, 1996
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$308,476
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$246,781
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$213,500
CHASE MANHATTAN MORTGAGE CORP · recorded Aug 6, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$61,000
CHASE MANHATTAN BANK USA NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,285 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$257,463 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$83,048
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$174,415
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$252,416

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
20
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
50
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
50
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
38
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.38 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySACRAMENTO
Lot (acres)The size of the land the home sits on, from county records.0.14
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Martin Luther King Jr. K-8 SchoolC-
Elementary · Grades KG–8 · 0.5 mi
H
John F. Kennedy High SchoolB
High · Grades 9–12 · 1.2 mi

District: Sacramento City Unified School District

Neighborhood · ZIP 95831These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.122

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.43,543
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,615 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,503
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$123,707
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.19 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

322 Zephyr Ranch Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 91% of homes in Pocket
  • Bigger than 69% of homes in Sacramento County
  • Has a smaller lot than 77% of homes in Sacramento 95831
  • Older than 72% of homes in Pocket

What homes are worth in Sacramento 95831

Each bar is how many homes fall in that price range. The marker is this home.

This home
$335K$1.2M

This home is worth more than 37% of homes in Sacramento 95831.

How it measures up in Sacramento 95831

The dot is this home. The mark in the middle is the typical home in Sacramento 95831.

Estimated value$582,976
CheaperTypical $632,548Pricier

Pricier than 37% of homes nearby

Price per ft²$289
CheaperTypical $336Pricier

Pricier than 10% of homes nearby

Living area2,020 ft²
SmallerTypical 1,890 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.14 ac
SmallerTypical 0.19 acBigger

Bigger than 23% of homes nearby

Year built1982
OlderTypical 1981Newer

Newer than 53% of homes nearby

How 322 Zephyr Ranch Dr ranks against every home in each area.
MeasureThis homePocketSacramento 95831Sacramento County
Estimated valuepricier than$582,97639% of homes37% of homes63% of homes
Price per ft²pricier than$2899% of homes10% of homes32% of homes
Living areabigger than2,020 ft²56% of homes57% of homes69% of homes
Lot sizebigger than0.14 ac32% of homes23% of homes40% of homes
Year builtnewer than198228% of homes53% of homes50% of homes

About 322 Zephyr Ranch Dr

How much is 322 Zephyr Ranch Dr, Sacramento, CA worth?

The TopHap Estimate for 322 Zephyr Ranch Dr, Sacramento, CA is $582,976 as of Jul 14, 2026. The likely range is $558,855 to $607,097. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 322 Zephyr Ranch Dr, Sacramento, CA last sell?

322 Zephyr Ranch Dr, Sacramento, CA last sold on Nov 21, 1996 for $155,000, according to the county's recorded deed.

How big is 322 Zephyr Ranch Dr, Sacramento, CA?

322 Zephyr Ranch Dr, Sacramento, CA has 3 bedrooms, 2.5 bathrooms, 2,020 square feet of living space and a 0.14-acre lot.

When was 322 Zephyr Ranch Dr, Sacramento, CA built?

322 Zephyr Ranch Dr, Sacramento, CA was built in 1982, making it 44 years old. The building has 2 stories.

What schools serve 322 Zephyr Ranch Dr, Sacramento, CA?

322 Zephyr Ranch Dr, Sacramento, CA is assigned to Martin Luther King Jr. K-8 School (elementary), rated C-; John F. Kennedy High School (high), rated B. All sit in Sacramento City Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 322 Zephyr Ranch Dr, Sacramento, CA compare to other homes in Sacramento 95831?

Among the 13,295 homes in Sacramento 95831, it is worth more than 37% of them ($582,976 against a typical $632,548), its price per square foot is higher than 10% of them ($289 against a typical $336), it is bigger than 57% of them (2,020 ft² against a typical 1,890 ft²), its lot is bigger than 23% of them (0.14 ac against a typical 0.19 ac) and it is newer than 53% of them (1982 against a typical 1981). Measured against all of Sacramento County, it is worth more than 63% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 322 Zephyr Ranch Dr, Sacramento, CA?

The 2025 property tax bill for 322 Zephyr Ranch Dr, Sacramento, CA was $3,285. The county assessed it at $257,463.

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