See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

435 Mill St, Grass Valley, CA, 95945

3beds
2baths
1,477sqft
$519,000
$351price/sqft
$3,726/moest. monthly cost
$149,040/yrincome needed

About This Home

Step into the charm of downtown Grass Valley living with this beautifully updated 1933 craftsman bungalow, offering 3 bedrooms, 2 bathrooms, and 1,477 square feet of inviting living space just steps from everything downtown has to offer. From local restaurants and boutiques to year-round events, this location places you right in the heart of town. Classic Craftsman character blends seamlessly with thoughtful updates throughout the home. Inside, you'll find two comfortable living spaces, perfect for relaxing or entertaining, along with a spacious kitchen that opens to a large dining roomideal for gatherings with family and friends. The primary bedroom features an ensuite bath, creating a private retreat. The character is abundant throughout with amazing wood paneling in the office, beautiful mill work, beautiful original door knobs, and classic details that makes this home feel truly special. Outside, the backyard is a gardener's delight, featuring charming pathways, an abundance of established roses and raised planter beds ready for seasonal vegetables, flowers, or herbs plus the opportunity to create a private beach this summer with its direct access to Wolf Creek. With parking for up to 5 cars, this home features a two-car open garage with a ton of storage and room for a workshop. The overall setting offers the perfect balance of historic charm and modern comfort. Whether you're enjoying a morning stroll downtown, hosting a fabulous dinner party, or tending to the garden out back, this craftsman bungalow captures the essence of the Grass Valley living.

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

7/10
Bell Hill AcademyGrades K-40.2 mi
4/10
7/10
Nevada Union High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1936

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Frame,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Gas Water Heater,Range Hood,Dishwasher,Disposal
  • Laundry features: Electric Dryer Hookup,Hookups Only,Inside,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Room

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,477 sqft

Kitchen

  • Features: Breakfast Area,Laminate Counters

Property

Details

  • Parcel number: 029150023000
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Fencing: Partial,Wire

Lot

  • Lot size: 9,147 sqft
  • Features: Garden,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Private,Detached,Uncovered Parking Spaces 2+,Guest,Downslope Driveway/Sidewalks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
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 $2,624$31,488
Home Insurance *$233$2,796
Property Taxes $471$5,652
Electricity $398$4,786
Total$3,726$44,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,748/yr
40% on housing$111,780/yr
45% on housing$99,360/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

$351This listing

vs Other Active Listings

Avg $/sqft

ZIP 95945$328
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)

Price History

DateEventPrice
2026-04-26Listed for sale$579,000
2025-10-31Sold$314,000
2025-10-03Pending sale$304,000
2025-09-25Listed for sale$304,000

For Sale by Agent

AgentJustin MacDonald
BrokerageMitchell Real Estate

Similar Homes