3035 Sacramento St
Redding, CA 96001
$275,000
2 bd · 1 ba · 1,072 sqft · Listed 1d ago
View on Realtor.com →Year built
1950
Sqft
1,072
Lot sqft
3,485
HOA / mo
$0
Furnished
No
List date
2026-10-22T23:58:48.000000Z
Revenue
Annual revenue
$25,643
ADR
$102
Occupancy
69%
Cleaning fees (12 mo)
$2,037
Confidence
Low (36.69), 7 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $26,057
2 Bedrooms w Private Entrance, Kitchen and Bath
Guest suite · 2 bd · 1 ba · sleeps 4 · 0.6 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $7,574ADR $105Occ ≈ 20%—
Cozy Redding Casa
Place · 2 bd · 1 ba · sleeps 4 · 0.7 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +2
Revenue $6,409ADR $119Occ ≈ 15%4.3★ (9)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Mesa Loft | Central, Cozy, Bright House
| 2 bd · 1 ba · sleeps 4 | $26,057 | $99 | 72% | 5★ (1) | 0.1 mi | AirbnbVrbo |
2-bdrm, 1.5 bath, dog-friendly, 5 min to downtown House
| 2 bd · 1.5 ba · sleeps 4 | $26,563 | $105 | 69% | 5★ (1) | 0.2 mi | AirbnbVrbo |
The Fig House | Near Shasta and Downtown House
| 2 bd · 1.5 ba · sleeps 4 | $11,602 | $205 | 16% | 4.7★ (18) | 0.4 mi | AirbnbVrbo |
Welcome to Walnut Ave! House
| 2 bd · 1 ba · sleeps 4 | $31,931 | $157 | 56% | 5★ (102) | 0.5 mi | AirbnbVrbo |
2 Bedrooms w Private Entrance, Kitchen and Bath Guest suite
| 2 bd · 1 ba · sleeps 4 | $7,574 | $105 | 20% | — | 0.6 mi | Airbnb |
Vintage 2 BR Home near Downtown and Trails House
| 2 bd · 1 ba · sleeps 4 | $36,427 | $130 | 77% | 5★ (306) | 0.7 mi | AirbnbVrbo |
Cozy Redding Casa Place
| 2 bd · 1 ba · sleeps 4 | $6,409 | $119 | 15% | 4.3★ (9) | 0.7 mi | Airbnb |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium
Est. revenue
$25,643
NOI
$9,629
Cash flow /mo
-$721
Cash needed
$95,750
Cash-on-cash
-9.0%
ROE (yr 1)
1.4%
Cap rate
3.5%
DSCR
0.53
Year-1 write-off
$90,194
Year-1 tax shield @ 32%
$28,862
Year-1 return on equity
- Cash flow (annual)-$8,652
- Principal paydown$1,699
- Appreciation at%$8,250
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$5,129
- Platform fees (3% of revenue)$769
- Maintenance / capex (5% of revenue)$1,282
- Utilities & supplies$4,200
- HOA$0
- Property tax$3,438
- Insurance (STR-rated)$1,609
Cash needed to close
- Down payment (25%)$68,750
- Closing costs (4.0%)$11,000
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$28,862
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$231,000
Short-life (5/15-yr)
$74,000 · 32%
Year-1 deduction
$90,000
Year-1 tax shield @ 32%
$29,000
Land 16% (county tax record, assessed value split) · building $157,000 over 39 years · new furniture $16,000
Based on: 1,072 sq ft, built 1950, 2 bd / 1 ba, unfurnished, listing features (fence, fireplace, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $71,000 in year 1 (24% short-life, $23,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,300
Kitchen cabinetsdefault
$8,200 new × 40% good × 2.55 allocation
- $6,800
Kitchen countertopsdefault
$6,700 new × 40% good × 2.55 allocation
- $1,900
Decorative trimdefault
$1,900 new × 40% good × 2.55 allocation
- $200
Mirrorsdefault
$200 new × 40% good × 2.55 allocation
- $900
Shelvingdefault
$900 new × 40% good × 2.55 allocation
- $2,800
Window coverings (11)default
$2,800 new × 40% good × 2.55 allocation
- $7,000
Carpet, vinyl & laminate (100% of floors)listing
$6,900 new × 40% good × 2.55 allocation
- $6,500
Kitchen & laundry equipment plumbingdefault
$6,300 new × 40% good × 2.55 allocation
- $3,900
Kitchen, laundry & data equipment electricaldefault
$3,800 new × 40% good × 2.55 allocation
- $8,300
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.55 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $8,700
Paving: driveway & walks (paved)default
$6,800 new × 50% good × 2.55 allocation
- $8,300
Landscaping (typical)default
$6,500 new × 50% good × 2.55 allocation
- $1,400
Patiosdefault
$1,100 new × 50% good × 2.55 allocation
- $1,400
Decks & porches (attached)default
$1,100 new × 50% good × 2.55 allocation
- $7,700
Fencinglisting
$6,000 new × 50% good × 2.55 allocation
- $118,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$116,100 new × 40% good × 2.55 allocation
- $12,300
Building plumbing & fixturesdefault
$12,000 new × 40% good × 2.55 allocation
- $11,100
Building electrical & lightingdefault
$10,900 new × 40% good × 2.55 allocation
- $12,300
HVACdefault
$12,100 new × 40% good × 2.55 allocation
- $2,700
Fireplacelisting
$2,600 new × 40% good × 2.55 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $62,700 | $27,400 | $200 | $90,200 |
| 2 | $0 | $0 | $4,000 | $4,000 |
| 3 | $0 | $0 | $4,000 | $4,000 |
| 4 | $0 | $0 | $4,000 | $4,000 |
| 5 | $0 | $0 | $4,000 | $4,000 |
| 6+ | $0 | $0 | $140,700 | $140,700 |
| Total | $62,700 | $27,400 | $157,000 | $247,000 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Rules differ by jurisdiction. City of Redding caps whole-home vacation rentals at 400 with a 600 ft spacing rule (300 ft with a physical buffer), and its permit is NOT transferable to a new owner. Shasta Lake city and unincorporated Shasta County allow permitted rentals with no cap found, but permits also do not transfer on sale. Lodging tax ~10% plus a 2% tourism assessment in Redding. Verify parcel eligibility with the city or county before you buy.