This fully detached home inside a gated community delivers open living spaces, natural light, and a private backyard at a price point that rarely exists in Sacramento anymore. Brand new carpet and a new garage door motor, both installed March 2026, mean you are walking into a home that is already done. The main floor opens into a bright, spacious living area with natural light pouring in and a layout that just makes sense. Bar top seating connects the living space into the dining area, giving you a setup that works whether you are having people over or simply unwinding after a long day. A half bath and direct access to the 2-car garage round out the main floor and make daily living practical and easy. Upstairs, three well-sized bedrooms and two full bathrooms give you the space a household needs. The primary bedroom is generous and comfortable, a real place to decompress. The secondary bedrooms are versatile enough for kids, guests, or a home office. The backyard is private and usable, perfect for pets, entertaining, or enjoying Sacramento's weather year-round. Here is where the value becomes impossible to ignore. The HOA covers the roof, exterior siding, dry rot repair, front yard maintenance, and community upkeep. You also get the gated entry, pool, spa, and clubhouse included. When you factor that coverage into your monthly payment and compare it honestly to homes without an HOA, you are still buying effectively under $400,000 while getting significantly more in return. Many homes selling above $400,000 nearby are 10 to 40 years older, not gated, no pool, and no exterior coverage. The comparison is not close. This is a Planned Unit Development with no shared walls, no condo, no halfplex. You own your private backyard, side yards, and 2-car garage. It lives like a single family home because it is one. Quick I-80 access puts Downtown Sacramento and Sacramento International Airport within 15 minutes. Shopping, dining, and public transportation are all close by in North Sacramento near Natomas and Robla. If you are searching for a single family home in Sacramento under $400,000 in a gated community with a pool and real financial value, this is it.