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344 Horizon Cir, Grass Valley, CA, 95945

2beds
2baths
1,042sqft
$399,000
$383price/sqft
$2,999/moest. monthly cost
$119,960/yrincome needed

About This Home

Welcome home! This single-level floorplan in the highly sought-after Morgan Ranch community combines low-maintenance living with modern style. Flooded with an abundance of natural light, the bright, airy floor plan is completely move-in ready and features newer flooring and fresh, neutral interior paint. The heart of the home seamlessly connects living spaces, making it perfect for both daily relaxation and easy entertaining. A great room concept with a gas fireplace is wrapped with windows opens seamlessly to the dining area and kitchen. Retreat to the spacious primary suite, which includes a generously sized walk-in closet to organize your wardrobe. An additional secondary bedroom privately located on the front wing of the home near the laundry area and a full bath. The property also offers the convenience of an attached 2-car garage with extra storage space. Step outside to discover your own private rear yard area. A tranquil, low-maintenance outdoor space ideal for morning coffee, grilling or a small garden. Enjoy the unparalleled ease of single-story accessibility in a vibrant, well-maintained neighborhood. All city utilities and no HOA dues. Simply move in and enjoy!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
7/10
Nevada Union High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Built-In Gas Range,Dishwasher,Disposal,Dryer,Washer
  • Laundry features: Cabinets,Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Bar,Dining/Living Combo

Features

  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,042 sqft

Kitchen

  • Features: Pantry Cabinet,Ceramic Counter,Kitchen/Family Combo

Master Bathroom

  • Features: Shower Stall(s),Tile

Master Bedroom

  • Features: Walk-In Closet

Property

Details

  • Parcel number: 008932008000
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard

Lot

  • Lot size: 4,356 sqft
  • Features: Low Maintenance

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Uncovered Parking Spaces 2+
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Wildfire
    WildfireVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Earthquake
Lightning
Winter Weather

FEMA Declared Disasters in Nevada 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 $2,017$24,204
Home Insurance *$179$2,148
Property Taxes $405$4,860
Electricity $398$4,786
Total$2,999$35,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,822/yr
40% on housing$89,970/yr
45% on housing$79,973/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: 18.4%
18.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 95945$330
Nevada County$363

vs Homes Sold Last Month

Median $/sqft

ZIP 95945$326
Nevada County$344

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
2026-08-04Pending sale$399,000
2026-07-31Price change$399,000
2026-07-21Listed for sale$420,000
2015-11-04Sold$255,000
2015-08-25Price change$269,000
2015-05-28Pending sale$289,500
2015-02-28Listed for sale$289,500
1998-06-22Sold$157,000

For Sale by Agent

AgentEmily Menesini
BrokerageColdwell Banker Grass Roots Realty

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