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48777 State Highway 88, Pioneer, CA, 95666

2beds
1baths
1,300sqft
$489,000
$376price/sqft
$3,560/moest. monthly cost
$142,400/yrincome needed

About This Home

Experience the breathtaking natural beauty and cozy cabin living in this charming retreat. Wake up to the serene tranquility of Silver Lake, nestled in the heart of the Sierra Nevada Mountains, where relaxation and outdoor adventures await. This inviting 2-bedroom, 1-bath cabin is set on a generous 2.97 acres, providing ample space to explore and unwind. The cabin features a large kitchen, perfect for preparing meals after a day of adventure. With easy winter access and full insulation, you can enjoy year-round comfort. 2025 new Generator installed. Plus, you'll have the convenience of your own septic system and well. Don't miss your chance to own this peaceful getaway in one of nature's most stunning settings!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Concrete
  • Roof: Metal
  • Construction materials: Floor Insulation,Frame,Wall Insulation,Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: None

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining/Family Combo

Features

  • Flooring: Carpet,Linoleum
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Wall Furnace,Wood Stove
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,300 sqft

Kitchen

  • Features: Pantry Closet,Laminate Counters

Property

Details

  • Parcel number: 026020023000
  • Zoning description: Res.
  • Special condition: Other

Features

  • Waterfront features: Lake Access

Lot

  • Lot size: 2.83 Acres
  • Features: See Remarks

Parking

  • Parking features: No Garage

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 WeatherVery High
  • Avalanche
    AvalancheModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Avalanche
Inland Flooding
Landslide
Lightning

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 $2,472$29,664
Home Insurance *$233$2,796
Property Taxes $457$5,484
Electricity $398$4,786
Total$3,560$42,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,057/yr
40% on housing$106,800/yr
45% on housing$94,933/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

$376This listing

vs Other Active Listings

Avg $/sqft

ZIP 95666$170
Amador County$284

vs Homes Sold Last Month

Median $/sqft

ZIP 95666
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
2026-05-01Listed for sale$535,000
2025-11-01Listing removed$535,000
2025-06-16Listed for sale$535,000

For Sale by Agent

AgentLillya Greathouse
BrokerageVista Sotheby's International Realty

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