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8730 Bluff Ct, Bradley, CA, 93426

5beds
6baths
4,502sqft
$2,100,000
$466price/sqft
$14,466/moest. monthly cost
$578,640/yrincome needed

About This Home

Welcome to 8730 Bluff Ct in Oak Shores at Lake Nacimiento where lakefront living is front and center! Set above the water with wide-open views, this custom-built 5BD/5.5BA home offers approx. 4,502 sq. ft. designed for either relaxed weekends or full-house gatherings. The main level sets the tone with exposed beams, rich woodwork, and a spacious kitchen that opens to the living and dining areas. The primary suite is also on this level, creating a comfortable, easy everyday layout. Step outside and you're immediately pulled toward the views, expansive decks and balconies made for morning coffee, sunset dinners, and long summer nights with friends. Downstairs, the home opens up even more. The terrace level features multiple bedrooms, including three with en-suite baths, along with a massive recreation room, ready for game tables, movie nights, or overflow guests. The lower level offers additional bedrooms, a wine cellar, a large sitting area, and additional storage, ideal for longer stays or hosting extended family. An oversized 3-car garage leaves room for boats, gear, and everything that comes with the lake lifestyle. With over 1,700 sq. ft. of balcony space and a thoughtful multi-level layout, this is a home built to be enjoyed by all!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Block,Pillar/Post/Pier
  • Roof: Tile

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Wine Refrigerator
  • Laundry features: In Garage,Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningAreainLivingRoom, DiningBar

Family Room

  • Features: SeparateFamilyRoom

Features

  • Vaulted Ceiling(s),Wet Bar
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air Gas,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Whole House Fan

Interior Area

  • Total structure area: 4,502
  • Total interior livable area: 4,502 sqft

Kitchen

  • Features: Countertop_Granite

Property

Details

  • Parcel number: 012232031
  • Zoning: RSF
  • Special condition: Standard

Features

  • Stories: 3
  • Pool features: Community
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 8,200 sqft
  • Features: Hillside

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Inland Flooding
Landslide
Drought

FEMA Declared Disasters in San Luis Obispo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 $10,618$127,416
Home Insurance *$604$7,248
Property Taxes $2,279$27,348
Electricity $965$11,584
Total$14,466$173,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$495,977/yr
40% on housing$433,980/yr
45% on housing$385,760/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$466This listing

vs Other Active Listings

Avg $/sqft

ZIP 93426$423
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93426$377
San Luis Obispo County$522

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
2026-04-01Listed for sale$2,100,000
1994-10-19Sold$34,000

For Sale by Agent

AgentMike Handley
BrokerageTown'N Country Realty

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