




440 Valley Ranch Dr, Clio, CA, 96106
About This Home
Rare find in the beautiful and desirable Valley Ranch community. This property offers quiet country life with extraordinary views, coupled with modern conveniences that are rarely found in rural settings. Think geothermal heat, home automation, security cameras, Starlink and fiber optic internet for high speed connectivity, a fully separate and independent guest house a 500-gallon propane tank fueling a V-6 emergency generator, well water with a back-up well, a full water filtration system, and partial furnishings. The main home features 3 bedrooms and 2.5 bathrooms with an open layout centered around a dramatic wood stove fireplace with vaulted wood ceiling. Thoughtful design and rural efficiency meet here with geothermal heating with forced air and central AC that keeps the home comfortable year round. The private guest house expands the possibilities with 2 bedrooms, 1 bathroom, a full kitchen and its own wood stove. It is the perfect setup for extended family, guests or multi generational living, offering true privacy and independence. So many possibilites! Lifestyle amenities make this property even more exceptional. Enjoy a dedicated wine cellar, a movie room for relaxed evenings in the fully completed walk out daylight basement with a fantastic surround sound system. The main house deck has a hot tub for stargazing on crisp Sierra nights while taking in the sweeping Valley Ranch meadow views. Backyard includes an outside stone fireplace with seating and beautiful views. Convenience does not end at the property line. Graeagle is just down the road with dining, shopping, golf and seasonal activities, giving you the balance of quiet living and access to local amenities. Properties offering this combination of privacy, views, modern systems and flexible living are exceptionally rare in Valley Ranch. This one stands out in every way.
Getting Around
Schools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Concrete Perimeter,Slab
- Roof: Composition
- Construction materials: Frame,Stone,Wood Siding,Stick Built
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Refrigerator,Washer,Electric Water Heater
Basement
- Has basement: Yes
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Stall Shower,Tub Shower,Vaulted Ceiling(s),Walk-In Closet(s),Loft
- Window features: Double Pane Windows
- Flooring: Carpet,Hardwood,Other
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
- Attic: Other
Heating & Cooling
- Heating features: Geothermal,Wood Stove
- Cooling features: Ceiling Fan(s)
Interior Area
- Total interior livable area: 4,450 sqft
Property
Details
- Parcel number: 133200002
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony,Covered,Deck,Patio
- Exterior features: Balcony,Deck,Dog Run,Patio
- Has spa: Yes
- Spa features: Hot Tub
- Fencing: None
- Has view: Yes
- View description: Meadow
- Waterfront features: None
- Topography of land: Sloping
- Residential vegetation: Mixed
Lot
- Lot size: 2.47 Acres
Parking
- Total spaces: 5
- Parking features: Asphalt,Off Street,RV Access/Parking,Attached Carport
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 5
- Carport: Yes
- Carport spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Wildfire
- Earthquake
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Plumas County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $8,975 | $107,700 |
| Home Insurance * | $2,189 | $26,268 |
| Property Taxes | $1,068 | $12,816 |
| Electricity | $954 | $11,450 |
| Total | $13,186 | $158,232 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-30 | Listed for sale | $1,775,000 |
| 2001-12-11 | Sold | $150,000 |
For Sale by Agent
