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23443 Middle Camp Rd, Twain Harte, CA, 95383

3beds
3baths
3,275sqft
$1,499,000
$458price/sqft
$10,439/moest. monthly cost
$417,560/yrincome needed

About This Home

Nestled among the towering pines of Twain Harte, this extraordinary turnkey estate redefines private mountain luxury on a grand scale. Spanning 10 pristine acres, the beautifully appointed 3,275 sq. ft. home offers 3 bedrooms, 3 bathrooms, a game room, plus one 1-car garage, and one 2-car garage. The lower story could easily convert to a separate living area or lucrative short-term rental. A year-round creek winds gracefully through the property, feeding a serene pond featuring a dock, two bridges, and a charming waterfall. Ducks and trout call the waters home! A private quarter-mile jogging trail encircles the estate, while a flat irrigated meadow, small barn, fully fenced garden, covered spa, and two covered RV parking spots complete the picture. Hobbyists will love the 1,200 sq ft. wood shop with 220 power and loft. All property equipment conveys with a strong offer, making this rare retreat truly move-in ready. Seize this exceptional opportunity to own one of Twain Harte’s most desirable private estates—where refined luxury meets the serene beauty of the Sierra Nevada foothills. Best of all, it’s moments from Twain Harte and a short drive to Yosemite and Pinecrest.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Twain Harte SchoolGrades K-80.8 mi
6/10
Summerville High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1984

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Den
  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 3
  • Fireplace features: Free Standing,Gas,Stone,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Wood Stove,Central,Fireplace(s)
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,275
  • Total interior livable area: 3,275 sqft

Kitchen

  • Features: Stone Counters, Dishwasher, Gas Range/Cooktop, Microwave

Property

Details

  • Parcel number: 040260011000
  • Special condition: Standard
  • Other equipment: None

Features

  • Levels: Two Story
  • Stories: 2
  • Pool features: None
  • Exterior features: Garden,Side Yard
  • On waterfront: Yes
  • Waterfront features: Creek,Pond,Pond Year Round,Stream Seasonal
  • Horses can be raised: Yes

Lot

  • Lot size: 10.08 Acres
  • Features: Horses Possible,Level,Premium Lot

Parking

  • Total spaces: 3
  • Parking features: Attached,RV/Boat Parking,Garage Faces Front,Garage Faces Rear,Storage
  • 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
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Tuolumne 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 $7,579$90,948
Home Insurance *$788$9,456
Property Taxes $1,370$16,440
Electricity $702$8,427
Total$10,439$125,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$357,908/yr
40% on housing$313,170/yr
45% on housing$278,373/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: 18.5%
18.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$458This listing

vs Other Active Listings

Avg $/sqft

ZIP 95383$211
Tuolumne County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 95383$246
Tuolumne County$258

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
2026-04-10Listed for sale$1,499,000

For Sale by Agent

AgentNATHAN MORALES
BrokerageColdwell Banker Twain Harte Re

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