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21145 Floral Rd, Grass Valley, CA, 95949

2beds
2baths
1,188sqft
$399,000
$336price/sqft
$3,058/moest. monthly cost
$122,320/yrincome needed

About This Home

Assumable FHA loan at 4.25% for qualified buyers! Stunning sunsets and panoramic views surround this beautifully maintained 2BD/2BA custom manufactured home on 5 private acres. Multiple access points and two additional potential building sites, including an upper pad ideal for a second home, guest quarters, or multigenerational living. Second weatherhead and electrical panel already in place for future expansion. Inside features soaring 10' ceilings with recessed coffer detail, expansive windows, and abundant natural light. The chef's kitchen offers quartz countertops, generous prep space, and a layout ideal for everyday living and entertaining. Built for durability and peace of mind with concrete siding, a Class A roof, and established defensible space. Property includes 2 inches of NID ag water (approx. 22 GPM), a 1/2 acre + organic garden area, and secure 6' no-climb fencing. Freshly graveled driveway, updated landscaping, tiled sunset patio, greenhouses, seasonal pond, and room to grow, homestead, or expand.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

6/10
7/10
8/10
Bear River High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Ceiling Insulation,Cement Siding,Fiber Cement,Floor Insulation,Frame,Wall Insulation,Lap Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Contemporary
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Ice Maker,Dishwasher,Microwave
  • Laundry features: Laundry Room,Hookups Only,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Carpet,Simulated Wood,Vinyl

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,188 sqft

Kitchen

  • Features: Pantry Cabinet,Quartz Counter

Master Bathroom

  • Features: Tub w/Shower Over,Window

Master Bedroom

  • Features: Closet

Property

Details

  • Parcel number: 055120020000
  • Zoning description: AG-10
  • Special condition: Standard

Features

  • Exterior features: Balcony,Outdoor Kitchen
  • Fencing: Partial,See Remarks
  • Waterfront features: Pond Seasonal

Lot

  • Lot size: 5 Acres
  • Features: Garden,See Remarks

Parking

  • Parking features: Uncovered Parking Space
  • 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

  • Wildfire
    WildfireVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Lightning

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 $464$5,568
Electricity $398$4,786
Total$3,058$36,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,845/yr
40% on housing$91,740/yr
45% on housing$81,546/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

$336This listing

vs Other Active Listings

Avg $/sqft

ZIP 95949$244
Nevada County$363

vs Homes Sold Last Month

Median $/sqft

ZIP 95949$275
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
2026-05-03Price change$399,000
2026-04-15Price change$430,000
2026-04-03Listed for sale$445,000
2026-03-21Pending sale$445,000
2026-02-26Price change$445,000
2026-01-10Price change$449,000
2025-12-25Price change$465,000
2025-12-04Price change$469,000
2025-10-31Price change$480,000
2025-09-24Price change$490,000
2025-09-06Listed for sale$495,926
2015-02-23Sold$80,000

For Sale by Agent

AgentTeresa Dietrich
BrokerageGold Country Ranches and Realty

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