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2409 Rio Oso Rd, Rio Oso, CA, 95674

3beds
2baths
1,542sqft
$850,000
$551price/sqft
$5,571/moest. monthly cost
$222,840/yrincome needed

About This Home

Offering approximately 1,700 square feet of living space, the property includes a spacious attached bonus room ,perfect as a spacious home office, formal sitting area, or guest quarters. Set on almost 1.4 acres, the property features a delightful mix of fruit-bearing trees including apples, pomegranates, berries, and more. A fenced greenhouse, tucked into the corner of the lot, provides the perfect space to cultivate your dream gardenwhether it be fresh organic vegetables or blooming flowers. Enjoy the quiet charm of rural life while remaining close to city amenities: Just 15 minutes to Costco, Walmart, and other major retailers. Only 20 minutes to Sacramento International Airport. The land offers endless potential to create the lifestyle you desirewhether starting a small farm, expanding the garden, or simply enjoying wide open space. It's blessed with rich soil and ideal weather conditions, making it perfect for agriculture and outdoor living. Plus, it's just minutes from major Highway 95, offering easy access to surrounding areas while preserving the peace of country life. This unique property offers room to grow, space to breathe, and a location that balances tranquility with accessibility.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Browns Elementary SchoolGrades K-81.0 mi
4/10
East Nicolaus High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: In Garage

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Area

Features

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,542 sqft

Kitchen

  • Features: Quartz Counter

Property

Details

  • Parcel number: 028093006000
  • Zoning description: R1
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: In Ground

Lot

  • Lot size: 1.38 Acres
  • Features: Shape Regular

Parking

  • Total spaces: 2
  • Parking features: 1/2 Car Space,Attached,Boat,RV Access/Parking,RV Storage
  • 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
    DroughtVery High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Earthquake
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 $4,298$51,576
Home Insurance *$152$1,824
Property Taxes $723$8,676
Electricity $398$4,786
Total$5,571$66,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,005/yr
40% on housing$167,130/yr
45% on housing$148,560/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

$551This listing

vs Other Active Listings

Avg $/sqft

ZIP 95674$618
Sutter County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 95674$420
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)

Price History

DateEventPrice
2026-04-14Listed for sale$850,000
2026-02-12Listing removed$1,200,000
2025-06-16Listed for sale$1,200,000
2018-05-24Sold$376,000
2018-04-24Pending sale$375,000
2018-04-12Listed for sale$375,000
2013-07-31Sold$270,000

For Sale by Agent

AgentAndrey Zhuravel
BrokerageKW Sac Metro

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