3948 Park Circle Ln, Carmichael, CA

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3948 Park Circle Ln, Carmichael, CA | HUDPRO

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HUDPRO Insight

What this property is

In practical terms, this is a comfortable 2-bedroom, 2.1-bath condo with 1,519 sq ft built in 1984. Carmichael, CA behaves like a more competitive submarket — tour early if owner-occupant priority applies.

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Financing & repairs

IN (insurable) is the most straightforward FHA path when the home truly qualifies — confirm the PCR and utilities still match lender expectations after vacancy. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window.

Insurable (IN) guide HUD financing guide

Buyer competition & practicality

Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. Roughly 8 days on market is middle-aged for HUD — balance speed with diligence on repairs and neighborhood comps.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

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Days on Market8 days

Price TrendStable

Listing ActivityUpdated

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HUD Program Eligibility

$100 Down EligibleNo

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusIN (Insured)

HUD List Price

$345,000

2 bd · 2.1 ba · 1,519 sq ft

Built 1984

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Sacramento County, CAHome inspector

Bid DateThu, Jul 23 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Insured

Property Snapshot2 bd / 2.1 ba · 1,519 sq ft

Financing203(k): Eligible

HUDPRO Buyer Report

Here's what we think
about this home.

3948 Park Circle Ln, Carmichael CA 95608 · Listed $345,000

REAL DEAL™ (Preview)

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Strong OpportunityFHA OptionsExample Scenario

Preview

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Is This a Deal?

Strong Opportunity

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Plus or Elite: this listing’s Real Deal™ score & breakdown

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$2,807 / mo

P&I + listing HOA shown — add tax, insurance & MIP for full ownership cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Includes listing HOA ($620/mo). Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$2,104 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

Ends tomorrow

Bids due: Thu, Jul 23 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

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Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Sacramento County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$227

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.