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90 Gopher Flat Rd, Sutter Creek, CA, 95685

2beds
1baths
1,292sqft
$440,000
$341price/sqft
$3,256/moest. monthly cost
$130,240/yrincome needed

About This Home

Sutter Creek gem just waiting for your touches. This 1,292 square foot, two bedroom, one updated bath home sits on large (.36 of an acre) mostly fenced yard. Property includes large rooms throughout, detached separated garage, carport, and full unfinished basement that would make fantastic shop/storage area. Bathroom and laundry remodeled. Large new back patio. Newer roof. A little history says long time previous owner had huge garden at back of property close to the creek. Walk to historic Sutter Creek. Close to year round activities - Beautiful and serene Sierra lakes for boating, swimming & fishing. Skiing at Kirkwood Ski Resort. Wine tasting in Shenendoah Valley or just stroll through towns full of history. Great commute area.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
2/10
Ione Junior High SchoolGrades 6-83.3 mi
8/10
Amador High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1949

Materials

  • Foundation: Raised,Concrete Perimeter
  • Roof: Shingle,Composition
  • Construction materials: Stucco,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Gas Water Heater,Range Hood
  • Laundry features: Laundry Room,Cabinets,Sink,Ground Floor,Hookups Only,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Living Combo,Formal Area

Features

  • Flooring: Carpet,Laminate,Wood

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Ceiling Fan(s),Central Air,Wall Unit(s),Window Unit(s)

Interior Area

  • Total interior livable area: 1,292 sqft

Kitchen

  • Features: Breakfast Area,Synthetic Counter

Property

Details

  • Parcel number: 018092016000
  • Zoning description: R1
  • Special condition: Standard

Features

  • Fencing: Back Yard,Metal,Wire,Fenced,Front Yard

Lot

  • Lot size: 0.36 Acres
  • Features: Sprinklers In Front,Stream Seasonal,Landscape Front

Parking

  • Total spaces: 3
  • Parking features: Private,Detached,Garage Door Opener,Uncovered Parking Spaces 2+,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Heat Wave
Lightning
Avalanche
Landslide

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 $2,224$26,688
Home Insurance *$264$3,168
Property Taxes $370$4,440
Electricity $398$4,786
Total$3,256$39,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,634/yr
40% on housing$97,680/yr
45% on housing$86,826/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

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 95685$287
Amador County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 95685
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
2026-03-08Listed for sale$440,000
2026-03-02Listing removed$440,000
2026-02-16Listed for sale$440,000
2026-01-16Pending sale$440,000
2025-09-03Listed for sale$440,000

For Sale by Agent

AgentTerry Santoro
BrokerageGold Country Modern Real Estate

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