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Selling in Natomas

What’s different about selling in Natomas

  • Flood zone A99 since 2015

    The city calls A99 an interim designation and still a high-risk flood zone.

  • Flood insurance Required with most loans

    Owners with a federally backed mortgage still need flood insurance until the levee work is complete.

  • Levee assessments On the tax bill

    SAFCA’s Natomas Basin assessment (2011) and a second district (2016) are billed on county property tax bills.

  • Transfer tax $3.85 per $1,000

    Natomas is inside Sacramento city limits, so the city’s $2.75 is added to the county’s $1.10.

Natomas is inside Sacramento city limits, so a sale pays the city’s transfer tax on top of the county’s. And A99 is still a flood zone: buyers with a federally backed loan need flood insurance.
Pratik, owner of Rework Cash Offers

Part of the City of Sacramento

Natomas is a part of the City of Sacramento, not a separate town. Both North and South Natomas were annexed by the city in the 1960s. South Natomas, about eight square miles with about 46,000 residents, was mostly built as residential subdivisions between 1950 and 1980. North Natomas, about 15 square miles and about 60,000 people, was Sacramento River floodplain and then ranch land after levees went up between 1912 and 1915, and it grew fast after the 1990s.

Because Natomas is inside city limits, a sale pays the city’s transfer tax as well as the county’s: $2.75 plus $1.10, or $3.85 per $1,000 of the price. When you sell to us, we cover the standard closing costs.

A worn-out bathroom before it was rebuilt
Illustrative photo from one of our past renovations, not a Natomas property. We buy houses as-is, in any condition.

Flood zone A99 and what it means for a buyer

In December 2008, FEMA mapped the Natomas Basin into a high-risk flood zone (Zone AE). New homes would have needed floors 10 to 20 feet above the ground, and building effectively stopped. FEMA remapped the basin to Zone A99 on June 16, 2015, and building resumed.

A99 doesn’t mean out of the floodplain. The city calls it “an interim flood zone designation” and still “a high risk flood zone”, and owners with a federally backed mortgage will still need flood insurance until the levee work is complete. A buyer with a loan has to budget for that policy. A cash sale to us doesn’t wait on a flood insurance quote.

Levee assessments and Mello-Roos

Natomas owners help pay for the levees. The Sacramento Area Flood Control Agency’s Natomas Basin Local Assessment District, formed in 2011 for 40 years, covers only properties in the basin, and Natomas is also a benefit zone of a second SAFCA district formed in 2016. Both appear as a direct levy on the county property tax bill.

Parts of North Natomas are also inside city Mello-Roos districts, among them North Natomas CFD No. 4, CFD No. 97-1 and Regency Park CFD No. 2001-03. Your tax bill shows which apply to your house. They stay with the house when it sells, and the figure we agree on is the figure you walk away with.

Paperwork for a Natomas sale

Deeds are recorded by the Sacramento County Clerk/Recorder at 3636 American River Drive, and probate cases are heard at the William R. Ridgeway Family Relations Courthouse on Power Inn Road, not the downtown courthouse. If you’ve inherited a Natomas house, our inherited house guide explains when probate is needed.

How to sell your Natomas house fast

Skip the listings, repairs, and waiting. Our simple 3-step process gets you a fair cash offer — and a closing date that works for you.

  1. Tell us about your house 1
    About 60 seconds

    Tell us about your house

    Call us or fill out the quick form with your address and situation. It takes about 60 seconds — no obligation.

    Fill out the quick form →
  2. We meet at your home 2
    A time that suits you

    We meet at your home

    We schedule a quick, no-pressure walkthrough at a time that works for you — as-is, with no cleaning or repairs needed.

  3. Get your offer & close 3
    You pick the date

    Get your offer & close

    Accept your fair cash offer and pick your closing date. We cover the closing costs and you walk away paid.

Where we buy

We buy all over Natomas

Natomas areas:

  • North Natomas
  • South Natomas
  • Natomas Park
  • Gardenland
  • Valley View Acres
  • the Panhandle

Elsewhere in Sacramento County:

Cities we buy in
View our Google listing →

Selling to Rework

  • A reliable offerWe never back out — a 100% close rate.
  • No showingsSkip the open-house parade.
  • Rent-back optionNeed time? Stay after you sell.
  • Zero closing costsWe cover every closing cost.
  • No cleaning or repairsWe buy fully as-is.
  • Your timelineClose in 2 weeks or 2 months.

Why homeowners choose Rework

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What Sacramento-area sellers say

5.0 33+ reviews on Google ↗
  • ★★★★★
    Pratik is great to work with. He thoroughly explains everything, is extremely knowledgeable, and makes the process straightforward and easy.
    David M.Citrus Heights, CA · Posted on Google
  • ★★★★★
    Excellent company to work with! Pratik is totally professional and a man of his word. The process went smoothly and quickly. No regrets.
    Eric I.Citrus Heights, CA · Posted on Google
  • ★★★★★
    Thank you for being down to earth and putting the customer first. They took care of us and made us feel like their only customer!
    LeBarron D.Sacramento, CA · Posted on Google

Questions

Selling a house in Natomas: common questions

Is Natomas out of the flood zone now?

No. Since 2015 it has been Zone A99, which the city still calls a high-risk flood zone. Owners with a federally backed mortgage still need flood insurance. We buy with cash, so that doesn’t hold up a sale to us.

Do I pay the City of Sacramento transfer tax in Natomas?

Yes. Natomas is inside city limits, so the total is $3.85 per $1,000. We cover the standard closing costs.

What happens to the levee assessments and Mello-Roos when I sell?

They stay with the house and the buyer takes them over. Your share up to closing is settled in escrow.

How fast can you close?

In as little as two weeks with our own cash, or on the date you pick. Every signed offer is backed by our $5,000 Close Guarantee.

Seller guides

Nearby

Where these facts come from

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