2848 Gayle Ln, Auburn, CA, 95602
About This Home
Would you believe this property is NOT on the CA Fair Plan & seller's insurance agent says he can keep new owners on the same plan? Experience California living at its finest in this stunning 4-bedroom plus office home, showcasing modern California Mediterranean architecture on 2.4 beautifully maintained acres. Designed for both comfort and efficiency, the property features a 3-car garage with EV charger, owned solar, and TWO Tesla Powerwalls for energy independence. The spacious granite kitchen is the heart of the home, while the outdoor setting offers a productive orchard, vibrant rose garden, and an inviting back patio perfect for relaxing or entertaining. The orchard is fully deer fenced, providing peace of mind for gardens and landscaping. Located in a desirable Firewise community, neighbors have horses and more offering an exceptional rural lifestyle. This remarkable property combines timeless architecture, modern amenities, and the tranquility of country living. See VIDEO that is included!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1999
Materials
- Foundation: Slab
- Roof: Shingle,Composition
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Mediterranean,Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater,Range Hood,Dishwasher,Disposal,Microwave,Free-Standing Electric Range
- Laundry features: Laundry Room,Electric Dryer Hookup,Gas Dryer Hookup,Inside Room
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Formal Area
Features
- Flooring: Carpet,Laminate,Tile
- Number of fireplaces: 1
- Fireplace features: Insert,Living Room,Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Propane,Central,Electric,Fireplace Insert,Solar,Solar w/Backup,Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 2,278 sqft
Kitchen
- Features: Breakfast Area,Granite Counters
Master Bathroom
- Features: Shower Stall(s),Double Vanity,Soaking Tub,Tile,Tub,Walk-In Closet(s),Window
Master Bedroom
- Features: Closet,Ground Floor,Outside Access
Property
Details
- Parcel number: 076232021000
- Zoning: RA-B-100
- Special condition: Standard
- Horse amenities: See Remarks
Features
- Levels: One
- Stories: 1
- Exterior features: Uncovered Courtyard
- Fencing: Entry Gate,Fenced,Full
- Horses can be raised: Yes
Lot
- Lot size: 2.40 Acres
- Features: Auto Sprinkler F&R,Private,Landscaped
Parking
- Total spaces: 12
- Parking features: Attached,RV Access/Parking,RV Possible,Electric Vehicle Charging Station(s),Garage Faces Front,Guest,Interior Access,Driveway,Gentle Up Driveway/Sidewalks
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
- Uncovered spaces: 9
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
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Placer County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,545 | $54,540 |
| Home Insurance * | $316 | $3,792 |
| Property Taxes | $840 | $10,080 |
| Electricity | $488 | $5,861 |
| Total | $6,189 | $74,268 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-28 | Price change | $899,000 |
| 2026-07-05 | Listed for sale | $937,000 |
| 2011-05-31 | Sold | $420,000 |
| 2010-04-15 | Sold | $425,000 |
| 2009-12-03 | Listing removed | $525,000 |
| 2009-08-24 | Price change | $525,000 |
| 2009-08-02 | Listed for sale | $535,000 |
| 2003-12-19 | Sold | $490,000 |
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