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440 Valley Ranch Dr, Clio, CA, 96106

5beds
4baths
4,450sqft
$1,775,000
$399price/sqft
$13,186/moest. monthly cost
$527,440/yrincome needed

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

2
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

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
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Lightning
Winter Weather

FEMA Declared Disasters in Plumas County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

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

MonthlyAnnual
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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$452,091/yr
40% on housing$395,580/yr
45% on housing$351,626/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

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.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 96106$282
Plumas County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 96106
Plumas County$252

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

DateEventPrice
2026-01-30Listed for sale$1,775,000
2001-12-11Sold$150,000

For Sale by Agent

AgentAMBER DONNELLY
BrokerageCENTURY 21 TAHOE NORTH REALTORS-PLUMAS/SIERRA

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