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Single Family ResidenceResidential
$519,868$271 / 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 95How 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 $415,000 on Dec 22, 2017

3861 SPENCER WAY

SACRAMENTO, CA 95821
3
Beds
2
Baths
1,916 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
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

$520K
$496K low$544K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$415,000 · Dec 22, 2017
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.$187,868
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$150,294
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.61%
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.$332,000
BANK OF AMERICA · 3.25% 1 · recorded Dec 22, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,675 (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.$481,637 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$104,450
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$377,187
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$472,194

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.44
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
57
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
45
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.10 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.0.23
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
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(5)

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
Pasadena Avenue Elementary SchoolC
Elementary · Grades EE–5 · 0.2 mi
H
Mira Loma High SchoolB
High · Grades 9–12 · 0.3 mi
M
Winston Churchill Middle SchoolB+
Middle · Grades 6–8 · 1.0 mi

District: San Juan Unified School District

Neighborhood · ZIP 95821These 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.131
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.41,536
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,661 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,555
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.22 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.No

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

3861 Spencer Way 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 84% of homes in Mira Loma
  • Bigger than 72% of homes in Mira Loma
  • Has a bigger lot than 81% of homes in Sacramento County
  • Newer than 92% of homes in Sacramento 95821

What homes are worth in Sacramento 95821

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

This home
$245K$928K

This home is worth more than 57% of homes in Sacramento 95821.

How it measures up in Sacramento 95821

The dot is this home. The mark in the middle is the typical home in Sacramento 95821.

Estimated value$519,868
CheaperTypical $501,314Pricier

Pricier than 57% of homes nearby

Price per ft²$271
CheaperTypical $318Pricier

Pricier than 20% of homes nearby

Living area1,916 ft²
SmallerTypical 1,609 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 57% of homes nearby

Year built1980
OlderTypical 1955Newer

Newer than 92% of homes nearby

How 3861 Spencer Way ranks against every home in each area.
MeasureThis homeMira LomaSacramento 95821Sacramento County
Estimated valuepricier than$519,86859% of homes57% of homes50% of homes
Price per ft²pricier than$27116% of homes20% of homes22% of homes
Living areabigger than1,916 ft²72% of homes69% of homes65% of homes
Lot sizebigger than0.23 ac57% of homes57% of homes81% of homes
Year builtnewer than198082% of homes92% of homes48% of homes

About 3861 Spencer Way

How much is 3861 Spencer Way, Sacramento, CA worth?

The TopHap Estimate for 3861 Spencer Way, Sacramento, CA is $519,868 as of Jul 14, 2026. The likely range is $495,798 to $543,938. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3861 Spencer Way, Sacramento, CA last sell?

3861 Spencer Way, Sacramento, CA last sold on Dec 22, 2017 for $415,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3861 Spencer Way, Sacramento, CA?

3861 Spencer Way, Sacramento, CA has 3 bedrooms, 2 bathrooms, 1,916 square feet of living space and a 0.23-acre lot.

When was 3861 Spencer Way, Sacramento, CA built?

3861 Spencer Way, Sacramento, CA was built in 1980, making it 46 years old. The building has 1 story.

What schools serve 3861 Spencer Way, Sacramento, CA?

3861 Spencer Way, Sacramento, CA is assigned to Pasadena Avenue Elementary School (elementary), rated C; Mira Loma High School (high), rated B; Winston Churchill Middle School (middle), rated B+. All sit in San Juan Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3861 Spencer Way, Sacramento, CA compare to other homes in Sacramento 95821?

Among the 8,654 homes in Sacramento 95821, it is worth more than 57% of them ($519,868 against a typical $501,314), its price per square foot is higher than 20% of them ($271 against a typical $318), it is bigger than 69% of them (1,916 ft² against a typical 1,609 ft²), its lot is bigger than 57% of them (0.23 ac against a typical 0.23 ac) and it is newer than 92% of them (1980 against a typical 1955). Measured against all of Sacramento County, it is worth more than 50% 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 3861 Spencer Way, Sacramento, CA?

The 2025 property tax bill for 3861 Spencer Way, Sacramento, CA was $5,675. The county assessed it at $481,637.

Closest homes

More homes in Sacramento 95821

Assigned schools

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