4210 Bunker Hill Ln · North Highlands, CA 95660

$129,000

3 bd · 2.0 ba · 1,012 sqft · Manufactured public records · 417 Days on market

Built 2021 Good condition $127/sqft · 52% above area

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Condition / age +4.0/5.0
• Rent growth +3.9/5.0
• Schools +3.1/10.0
• Livability +3.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Modern & Move-In Ready - 3 Bed, 2 Bath in Fairway Estates (All-Age Park) Welcome to this beautifully updated 2021 manufactured home located in the desirable all-age community of Fairway Estates! This spacious 3-bedroom, 2-bathroom home features brand new flooring and fresh interior paint, giving it a clean, modern feel throughout. Enjoy a bright and open floor plan, perfect for both relaxing and entertaining. The kitchen offers ample cabinet space and flows seamlessly into the living and dining areas. The primary suite includes a private bathroom and generous closet space, while two additional bedrooms provide flexibility for guests, a home office, or growing family needs. Fairway

Key facts

• Brand new flooring
• Ample cabinet space
• Private bathroom

Tags

• UPDATED MANUFACTURED HOME
• BRAND NEW FLOORING
• FRESH INTERIOR PAINT
• BRIGHT OPEN FLOOR PLAN
• AMPLE CABINET SPACE
• PRIVATE BATHROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $129k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $721 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $129k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.0% vs local median 4.1% in North Highlands — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 61/100 on livability (#523 in CA) — a middle-class / working-renter tenant base. Strengths: housing A+; Watch: employment C-, schools D, crime F.
• Twin Rivers Unified (suburban): math 29% / reading 37% proficiency, ranked #970 of 1,400 in CA (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 76% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.7%/yr); 108 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 6,825 units permitted in Sacramento County in 2024 (1,752 in 5+ unit buildings).
• This rent runs 34% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $892 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Sacramento County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $36k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 417 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $113,520 (12.0% below list)

Questions for the listing agent

1. It's been on market 417 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.52% ✓
• Cap rate: 13.00%
• Cash-on-cash: 23.96%
• DSCR: 2.07
• GRM: 5.5

CMA / ARV

• ARV (median comp): $84,950
• List price: $129,000
• Delta: 51.85%
• Verdict: OVERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5020 Valley Frg	0.09mi	3/2.0	988 (-2%)	2mo	$89,900	$91	90
4814 Independence Ln	0.19mi	2/2.0 (-1)	1,080 (+7%)	4mo	$65,000	$60	72
4125 Vicksburg Ln #187	0.10mi	2/1.0 (-1)	1,045 (+3%)	13mo	$60,000	$57	70
5026 Valley Forge Ln #19	0.11mi	3/2.0	1,100 (+9%)	19mo	$100,000	$91	64
5040 W Jackson. St #91	0.41mi	2/1.0 (-1)	960 (-5%)	2mo	$32,500	$34	62
5040 Jackson St #101	0.37mi	2/2.0 (-1)	1,070 (+6%)	14mo	$75,000	$70	56
5040 Jackson St #126	0.41mi	2/2.0 (-1)	1,056 (+4%)	18mo	$78,000	$74	54
4127 Chesapeake Ln #122	0.17mi	2/1.0 (-1)	900 (-11%)	15mo	$47,000	$52	52
5040 Jackson St #18	0.41mi	2/2.0 (-1)	880 (-13%)	6mo	$110,000	$125	50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.69% rent growth · sell at horizon

5-year hold

• IRR: 20.1%
• Equity multiple: 1.84×
• Total profit: $30,466
• Equity at exit: $19,234

10-year hold

• IRR: 30.0%
• Equity multiple: 4.02×
• Total profit: $109,229
• Equity at exit: $11,154

Cash invested: $36,120 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 95660

• Rents YoY: 5.7%
• Active inventory: 108
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,957 high
• Mortgage (P&I): −$676
• Tax from tax record: −$95 /mo · $1,136/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$411
• Net cashflow: $721

Break-even live

Break-even rent $1,044

Max offer price $129,000

Occupancy floor 58%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $32,250
• Closing costs: $3,870
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4020 Tricia Way Unit 4688001002 North Highlands, CA	2.0	1.0	1000	$1,495	$1.50	43d	1	0.28mi
4008 Tricia Way North Highlands, CA	2.0	1.0	900	$1,700	$1.89	12d	1	0.31mi
5123 Shell St North Highlands, CA	2.0	1.0	912	$1,950	$2.14	1d	1	0.50mi
4605 Cyclamen Way Sacramento, CA	2.0	1.0	870	$1,695	$1.95	1d	1	0.50mi
4552 Ashcroft Ave Unit 36D Sacramento, CA	2.0	1.0	800	$1,250	$1.56	1d	1	0.53mi
4561 Ashcroft Ave Unit 52 Sacramento, CA	2.0	1.0	900	$1,395	$1.55	1d	1	0.54mi
4561 Ashcroft Ave Apt 49 Sacramento, CA	2.0	1.0	888	$1,499	$1.69	1d	1	0.54mi
5001 Date Ave Sacramento, CA	3.0	2.0	1106	$2,400	$2.17	1d	1	0.57mi
4909 Date Ave Sacramento, CA	1.0–2.0	1.0	737	$1,750	$2.37	43d	1	0.60mi
3731 Scallop Ct North Highlands, CA	2.0	1.0	924	$2,150	$2.33	43d	1	0.60mi
3800 Madison Ave North Highlands, CA	2.0	1.0	524	$1,500	$2.86	1d	7	0.60mi
5061 Shell St North Highlands, CA	2.0	1.0	750	$2,000	$2.67	1d	1	0.61mi
4930 Polk St North Highlands, CA	2.0–3.0	1.0–2.0	938	$1,795	$1.91	1d	3	0.63mi
5048 Date Ave Sacramento, CA	2.0	1.0	1000	$1,588	$1.59	43d	1	0.63mi
4728 Amber Ln Sacramento, CA	2.0	1.0	730	$1,900	$2.60	19d	1	0.66mi
5011 Bremner Way #2 Sacramento, CA	2.0	1.0	850	$1,700	$2.00	1d	1	0.67mi
5011 Bremner Way #3 Sacramento, CA	2.0	1.0	850	$1,700	$2.00	23d	1	0.67mi
5416 Jackson St North Highlands, CA	1.0–2.0	1.0–2.0	720	$1,750	$2.43	1d	30	0.67mi
5008 Bremner Way #3 Sacramento, CA	2.0	1.0	850	$1,650	$1.94	1d	1	0.70mi
5516 Palmdale Way Sacramento, CA	3.0	2.0	1115	$2,250	$2.02	20d	1	0.70mi
5520 Harrison St North Highlands, CA	2.0	1.0	735	$1,478	$2.01	7d	1	0.71mi
4716 Tulane Ct Sacramento, CA	3.0	2.0	1303	$2,450	$1.88	23d	1	0.76mi
4661 Orange Grove Ave Sacramento, CA	1.0–2.0	1.0	700	$1,495	$2.14	23d	2	0.77mi
3609 Myrtle Ave North Highlands, CA	2.0	2.0	900	$1,795	$1.99	1d	2	0.79mi
4815 College Oak Dr Sacramento, CA	2.0	1.0–1.5	1000	$1,662	$1.66	7d	2	0.86mi
4215 Palm Ave Sacramento, CA	1.0–2.0	1.0–2.0	775	$1,660	$2.14	1d	3	0.87mi
3517 Myrtle Ave North Highlands, CA	2.0	2.0	900	$1,750	$1.94	2d	1	0.89mi
5415 College Oak Dr Sacramento, CA	1.0–2.0	1.0–2.0	850	$1,725	$2.03	1d	3	0.94mi
5614 Hillsdale Blvd Unit A Sacramento, CA	2.0	1.5	933	$1,450	$1.55	21d	1	0.95mi
4901 Little Oak Ln Sacramento, CA	1.0–3.0	1.0–2.0	915	$1,832	$2.00	1d	7	0.98mi
5443 College Oak Dr Sacramento, CA	1.0–2.0	1.0–2.0	821	$1,850	$2.25	43d	3	0.99mi
4549 Greenholme Dr #2 Sacramento, CA	2.0	1.0	840	$2,000	$2.38	2d	1	0.99mi
5625 San Vincente Way North Highlands, CA	3.0	1.0	875	$2,150	$2.46	1d	1	0.99mi
5600 Walerga Rd #4 Sacramento, CA	2.0	1.0	924	$1,700	$1.84	1d	1	1.00mi
4815 Mary Kate Dr Sacramento, CA	2.0	2.0	1100	$1,850	$1.68	43d	1	1.01mi
4821 Mary Kate Dr Unit 4823 Sacramento, CA	2.0	2.0	1050	$1,675	$1.60	1d	1	1.02mi
5800 Hamilton St Sacramento, CA	1.0–2.0	1.0–2.0	823	$1,770	$2.15	1d	4	1.02mi
3652 McClellan Dr North Highlands, CA	2.0	1.0	750	$1,650	$2.20	1d	1	1.03mi
5012 Sunshine Ln Sacramento, CA	2.0	1.0	970	$1,775	$1.83	10d	1	1.03mi
4255 Winding Way Sacramento, CA	2.0	1.5	1300	$1,995	$1.53	7d	1	1.03mi

Listing history 14 events

1. 2026-06-18
   days on market $129,000 Active 417 DOM
2. 2026-06-17
   days on market $129,000 Active 416 DOM
3. 2026-06-16
   days on market $129,000 Active 415 DOM
4. 2026-06-15
   days on market $129,000 Active 414 DOM
5. 2026-06-13
   days on market $129,000 Active 412 DOM
6. 2026-06-13
   days on market $129,000 Active 411 DOM
7. 2026-06-10
   price $129,000 Active 408 DOM
8. 2026-06-09
   days on market $139,900 Active 408 DOM
9. 2026-06-08
   days on market $139,900 Active 407 DOM
10. 2026-06-07
    days on market $139,900 Active 406 DOM
11. 2026-06-03
    days on market $139,900 Active 402 DOM
12. 2026-06-02
    days on market $139,900 Active 401 DOM
13. 2026-06-01
    days on market $139,900 Active 400 DOM
14. 2026-05-31
    days on market $139,900 Active 399 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $1,136 · $95/mo
• Projected year-2 tax: $1,136 · $95/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 34 unhealthy d/yr today · 38 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,487
• − Mortgage interest: −$7,226
• − Property taxes: −$1,136
• − Insurance: −$645
• − Repairs & maintenance: −$1,879
• − Management: −$1,879
• − Depreciation: −$3,753
• Taxable income: $6,969
• Est. tax owed @ 24.0%: −$1,673
• After-tax cash flow: $6,983/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This 2021 manufactured home is move-in ready with modern updates and a good condition score. It offers a good investment opportunity with potential for further value enhancement through minor cosmetic upgrades.

Value-add opportunities

• Both Painting exterior and interior — Fresh paint enhances curb appeal and interior aesthetics
• Both Landscaping and curb appeal improvements — Enhances curb appeal and adds value
• Resale New flooring in bathrooms — Modern flooring improves aesthetics and functionality
• Resale New kitchen appliances — Modern appliances enhance functionality and appeal

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Landscaping and curb appeal improvements — Enhances curb appeal and adds value ↑
• Resale New flooring in bathrooms — Modern flooring improves aesthetics and functionality ↑
• Resale New kitchen appliances — Modern appliances enhance functionality and appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Twin Rivers Unified
• NCES district ID: 0601332
• Math proficiency: 29% ▲ 2.00%
• Reading proficiency: 37% ▲ 2.00%
• Median HH income: $42,481
• Composite: 30.67/100
• National rank: #11437
• State rank: #970 of 1400 in CA

Livability — North Highlands

• Score: 61/100
• State rank: #523
• US rank: #17613

Category grades

Amenities F Commute F Cost of living F Crime F Employment C- Housing A+ Health & safety C User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: North Highlands, CA
• County: Sacramento County · 1,539,646 people
• City population: 56,900
• Metro: Sacramento-Roseville-Folsom, CA
• Population (ZIP): 35,451
• Household income: $68,235
• Rent vs Own: 38.0% rent · 62.0% own
• Severe rent burden: 1300.0

Population outlook (Sacramento County) Hauer SSP2

• Today (2025): 1,660,763 people
• By 2030: 1,732,990 · +4.3%
• By 2040: 1,855,755 · +11.7%
• By 2050: 1,941,335 · +16.9%
• By 2075: 2,046,162 · +23.2%
• By 2100: 1,961,444 · +18.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 41% Hispanic / Latino 37% Two or more races 16% Black 9% Asian 7%
• Hispanic origin (detail): Mexican 29%
• Common ancestry: Subsaharan African 5% Scotch-Irish 2% Scandinavian 2%
• Foreign-born: 28% · Canada, Vietnam
• Languages at home: 56% English-only · Spanish 25% Russian/Polish/Slavic 9% Other Indo-European 5%

Political lean MEDSL · Sacramento

• 2024 margin: D (+19.7) · D 58.1% · R 38.4% · Other 3.5%
• 2008→2024 swing: +0.7pp no change · 2008: 19.0pp · 2024: 19.7pp
• All cycles: 2024: D+19.7 2020: D+25.3 2016: D+23.7 2012: D+16.3 2008: D+19.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -273.83%
• Current HPI: 438.1022
• Rent YoY: ▲ 5.69%
• Metro: Sacramento-Roseville-Folsom, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Property tax history

+110.4%/yr

Latest (2025): $1,136 · -0.3% YoY. Source: county tax records.