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861 River Bluff Ct, Oakdale, CA, 95361

4beds
3baths
2,748sqft
$589,000
$214price/sqft
$4,278/moest. monthly cost
$171,120/yrincome needed

About This Home

Welcome to River Bluff Court. Here you will find a beautifully updated and remodeled large two-story home. Located in a peaceful court, in an established neighborhood, with NO Mello-Roos! The home has been tastefully updated and remodeled throughout. The main living quarters are located on the first floor, including a bedroom and full bathroom. Perfect for guests or a family member. The kitchen has Quartzite Counters, newer appliances, custom cabinets, including a pantry room. A Dining Bar and an open concept layout with the Family Room. A cozy Pellet Stove is located in the Family Room, along with outside access to the backyard patio. There is a spacious combined Living Room and Dining Area off of the Kitchen. The Living Room would also be a great game room or home theatre area for get togethers. Upstairs are two large bedrooms and an additional spacious Master Suite with a balcony to enjoy the days and cool evenings. The Master Bath has a new shower and double vanity. Both additional bathrooms upstairs and down are also completely remodeled, upstairs has a double vanity and both have tub-shower combinations. New carpet and Luxury Laminate Vinyl Plank Flooring throughout the home. Downstairs is an inside Laundry Room and separate access to the oversized two car garage. The garage has space for work benches, there is a sink, 30 amp outlet, cabinets, TV, stereo, and new water heater. A great setup to work on your projects. The backyard has a patio and lawn area, including a garden shed. This home is located in an established neighborhood with mature landscaping. Situated near the center of town, which includes shopping and entertainment. Located in the sought after town of Oakdale, with close proximity to many lakes for summer fun, and the Sierra Nevada Mountains to explore. Skiing in the winter months and playing in the snow. Also, easy access to highways for commuting to the Bay Area. Come see this beautiful home today!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
4/10
6/10
Oakdale High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1981

Materials

  • Foundation: Raised
  • Roof: Spanish Tile
  • Construction materials: Stucco,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Range Hood,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Ground Floor,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Carpet,Laminate,Wood
  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove,Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Pellet Stove,Central
  • Cooling features: Ceiling Fan(s),Central Air,Attic Fan

Interior Area

  • Total interior livable area: 2,748 sqft

Kitchen

  • Features: Breakfast Area,Pantry Cabinet,Quartz Counter,Kitchen/Family Combo

Master Bathroom

  • Features: Closet,Shower Stall(s),Double Vanity,Stone,Tile

Master Bedroom

  • Features: Balcony,Outside Access

Property

Details

  • Parcel number: 064037045000
  • Zoning description: R1
  • Special condition: Standard

Features

  • Exterior features: Balcony,Fire Pit
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 5,998 sqft
  • Features: Auto Sprinkler F&R,Court,Garden,Shape Regular,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in Stanislaus 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 $2,978$35,736
Home Insurance *$160$1,920
Property Taxes $551$6,612
Electricity $589$7,071
Total$4,278$51,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,674/yr
40% on housing$128,340/yr
45% on housing$114,080/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 95361$326
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95361$297
Stanislaus County$303

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
2026-05-11Price change$624,000
2026-04-18Price change$649,000
2026-04-02Listed for sale$675,000
2020-12-04Sold$368,000
2020-11-03Pending sale$379,000
2020-10-27Price change$379,000
2020-10-14Listed for sale$399,000
2018-10-30Listing removed$359,500
2018-08-28Price change$359,500
2018-08-22Price change$380,000
2018-08-13Price change$389,500
2018-08-03Listed for sale$399,500
2015-06-18Sold$285,000
2015-05-20Pending sale$299,900
2015-04-08Price change$299,900
2015-02-24Price change$320,000
2015-02-06Listed for sale$339,900

For Sale by Agent

AgentMark Lowney
BrokeragePMZ Real Estate

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