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2880 Elm St, Sutter, CA, 95982

4beds
2baths
1,953sqft
$410,000
$210price/sqft
$2,982/moest. monthly cost
$119,280/yrincome needed

About This Home

Welcome to 2880 Elm St., Sutter, CA, a rare opportunity to own two homes on one spacious corner lot! Priced at $410,000, this unique property offers flexibility for multi-generational living, rental income, or extended family accommodations. Situated on a generous 0.37-acre corner lot, the property features: Home #1: 2 bedrooms, 1 bathroom, approximately 942 sq. ft. Home #2: 2 bedrooms, 1 bathroom, approximately 1,011 sq. ft. (This home needs work, making it a great opportunity for buyers looking to renovate and add value.) Whether you’re looking for a home with space for family members, an investment opportunity, or a project with income potential, this versatile property offers endless possibilities. The large corner lot provides plenty of room for outdoor living, gardening, or future improvements. Properties with two homes on one lot are hard to find in the desirable Sutter community. Property is being sold “As Is”. Don’t miss this unique opportunity to own a property with incredible potential. Schedule your private showing today!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
7/10
Sutter High SchoolGrades 9-120.4 mi

Construction

Type & Style

  • Home type: MultiFamily

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 1,953 sqft

Property

Details

  • Parcel number: 014042026000

Lot

  • Lot size: 10,454 sqft

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
    DroughtRelatively High
  • 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 Sutter County and California

Earthquake
Flood
Mud Landslide
Severe Storm
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 $2,073$24,876
Home Insurance *$126$1,512
Property Taxes $365$4,380
Electricity $418$5,025
Total$2,982$35,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,240/yr
40% on housing$89,460/yr
45% on housing$79,520/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 95982$336
Sutter County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 95982$312
Sutter County$265

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)

No zestimate history available

Price History

DateEventPrice
2026-07-05Listed for sale$410,000
2026-05-04Listing removed--
2026-02-27Listed for sale$495,000

For Sale by Owner

AgentProperty Owner

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