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1738 W Joseph St, Yuba City, CA, 95993

3beds
2baths
1,390sqft
$435,000
$313price/sqft
$3,155/moest. monthly cost
$126,200/yrincome needed

About This Home

Move-in ready and thoughtfully updated, this 3-bedroom, 2-bath home offers comfort, style, and value in a desirable location. Recent improvements include new dual-pane windows, cement board siding, quartz countertops, updated sinks, select new kitchen appliances, new cabinet/door hardware, updated plumbing fixtures, updated lighting, interior/exterior paint, new carpet in the bedrooms and much more! The central heat/air system was replaced approximately two years ago, providing added efficiency and peace of mind. Inside, you'll find a functional floor plan with comfortable living spaces and plenty of natural light. Outside, the spacious backyard features a large concrete patio perfect for entertaining, relaxing, or outdoor dining. Additional benefits include a fenced dog run and storage shed. Conveniently located near schools, parks, shopping, and everyday amenities, this home is an excellent opportunity for buyers seeking a well-maintained property with many of the major updates already completed.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

5/10
3/10
Andros Karperos SchoolGrades K-80.9 mi
5/10
Yuba City High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete,Slab
  • Roof: Composition
  • Construction materials: Cement Siding,Concrete,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Range
  • Laundry features: Laundry Room,Cabinets,Electric Dryer Hookup,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Breakfast Nook,Space in Kitchen

Features

  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,390 sqft

Kitchen

  • Features: Breakfast Area,Quartz Counter

Master Bathroom

  • Features: Double Vanity,Tile,Tub w/Shower Over,Quartz

Master Bedroom

  • Features: Closet

Property

Details

  • Parcel number: 056190023000
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Dog Run
  • Fencing: Back Yard
  • Topography of land: Level,Level

Lot

  • Lot size: 6,534 sqft
  • Features: Shape Regular

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Front,Mechanical Lift,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

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
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
Lightning

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 $2,199$26,388
Home Insurance *$120$1,440
Property Taxes $438$5,256
Electricity $398$4,786
Total$3,155$37,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,171/yr
40% on housing$94,650/yr
45% on housing$84,133/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

$313This listing

vs Other Active Listings

Avg $/sqft

ZIP 95993$235
Sutter County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 95993$264
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
2026-08-05Pending sale$435,000
2026-07-17Listed for sale$435,000
2002-06-20Sold$149,000

For Sale by Agent

AgentBrian Sandgren
BrokerageValley Fair Realty Corporation

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