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639 W Marlette St, Ione, CA, 95640

3beds
2baths
1,257sqft
$414,000
$329price/sqft
$3,017/moest. monthly cost
$120,680/yrincome needed

About This Home

Welcome to this charming single-story home in the heart of Ione! Offering 3 bedrooms, 2 bathrooms, and approximately 1,257 square feet of comfortable living space, this well-maintained home is ideal for first-time buyers, downsizers, or anyone seeking small-town living with modern convenience. Step inside to a bright, functional floor plan featuring a spacious living area, an inviting kitchen with ample cabinetry (fridge included), and a dining area ideal for everyday meals or entertaining family and friends. The primary suite includes a private bathroom, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. Outside, the generous backyard offers endless possibilities for gardening, outdoor entertaining, or creating your own private retreat. The attached garage provides convenient parking and extra storage, while the established neighborhood is just minutes from local parks, schools, shopping, and historic downtown Ione. Whether you're looking for your first home, an investment opportunity, or a place to enjoy a relaxed lifestyle, this inviting property is ready to welcome you home. Don't miss your chance to own this wonderful home!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

3/10
Ione Elementary SchoolGrades K-60.6 mi
2/10
Ione Junior High SchoolGrades 6-80.3 mi
7/10
Argonaut High SchoolGrades 9-128.1 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,ENERGY STAR Qualified Appliances,Free-Standing Electric Range
  • Laundry features: Ground Floor,In Garage

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen,Dining/Living Combo

Features

  • Flooring: Tile,Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,257 sqft

Kitchen

  • Features: Slab Counter

Master Bathroom

  • Features: Double Vanity,Tub w/Shower Over,Window

Master Bedroom

  • Features: Ground Floor

Property

Details

  • Parcel number: 004122044000
  • Zoning: NC
  • Special condition: Standard

Features

  • Fencing: Back Yard,Wood,Fenced
  • Topography of land: Level,Level

Lot

  • Lot size: 6,534 sqft
  • Features: Auto Sprinkler F&R,Curb(s)/Gutter(s),Shape Regular,Landscape Back,Landscape Front,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Front
  • 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
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Heat Wave
Lightning
Wildfire
Earthquake
Winter Weather

FEMA Declared Disasters in Amador 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 $2,093$25,116
Home Insurance *$178$2,136
Property Taxes $348$4,176
Electricity $398$4,786
Total$3,017$36,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,440/yr
40% on housing$90,510/yr
45% on housing$80,453/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$329This listing

vs Other Active Listings

Avg $/sqft

ZIP 95640$286
Amador County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 95640
Amador County$264

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
2026-08-03Price change$414,000
2026-07-22Listed for sale$428,000

For Sale by Agent

AgentTammy Goolsby
BrokerageColdwell Banker Realty

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