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23955 Cedar Hill Ln, Twain Harte, CA, 95383

6beds
7baths
5,547sqft
$679,900
$123price/sqft
$5,616/moest. monthly cost
$224,640/yrincome needed

About This Home

Rare opportunity to own a 5,500+ sq ft multi-level home on approx. 1.64 acres in Twain Harte with flexible living options and income potential. Property features multiple living areas, large kitchen, living room with fireplace, and upper-level bedrooms with deck and forest views. Lower level includes separate living quarters with private exterior access, ideal for multi-generational living, guests, rental, or retreat use. Cul-de-sac location with 3-car garage and spacious layout with many possibilities. Property sold as-is. Buyer to verify all information. Dual path marketing. This property is now under auction terms. Auction Dates: 5/11/2026 - 5/13/2026 All Bids must be submitted during the auction via the property’s listing page at www.servicelinkauction.com. This sale is subject to a 5% or $2,500 minimum buyer’s premium pursuant to the auction Terms & Conditions. All bids will be subject to seller approval (minimums may apply).

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
Twain Harte SchoolGrades K-82.4 mi
6/10
Summerville High SchoolGrades 9-127.5 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 2002

Materials

  • Construction materials: Brick,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Laundry Room,Cabinets

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 7

Features

  • In-Law Floorplan
  • Flooring: Tile,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Brick,Living Room,Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 5,547
  • Total interior livable area: 5,547 sqft

Kitchen

  • Features: Stone Counters, Dishwasher, Disposal, Kitchen Island

Property

Details

  • Parcel number: 047860008
  • Special condition: Real Estate Owned

Features

  • Levels: Three or More Stories
  • Pool features: None
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods

Lot

  • Lot size: 1.64 Acres
  • Features: Cul-De-Sac,Irregular Lot

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • 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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Wildfire
Lightning
Winter Weather
Heat Wave
Inland Flooding

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 $3,437$41,244
Home Insurance *$357$4,284
Property Taxes $633$7,596
Electricity $1,189$14,273
Total$5,616$67,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,548/yr
40% on housing$168,480/yr
45% on housing$149,760/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

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 95383$235
Tuolumne County$244

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
2026-01-07Price change$749,950
2025-11-06Price change$799,350
2025-07-07Price change$799,950
2025-05-01Price change$849,950
2024-12-16Price change$875,000
2024-12-10Price change$899,950
2024-11-01Price change$949,900
2024-09-17Listed for sale$999,000
2021-10-31Listing removed--
2021-08-30Listed for rent$4,500
2019-08-10Listing removed$2,600
2019-07-02Price change$2,600
2019-05-16Listed for rent$4,300
2014-11-12Listing removed$1,650,000
2014-08-22Listed for sale$1,650,000

Unknown Listed By

AgentMelissa Oliver
BrokerageCentury 21 Sierra Properties

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