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224 Church, Nevada City, CA, 95959

1beds
5baths
5,052sqft
$2,465,000
$488price/sqft
$16,329/moest. monthly cost
$653,160/yrincome needed

About This Home

An exceptional downtown Nevada City mixed-use opportunity! This beautifully remodeled and custom finished property sits in the heart of downtown and offers flexible commercial and residential zoning, making it ideal for owner-users, investors, or live/work lifestyles. The main level offers an expansive residential layout with five bedrooms, three full baths, a spacious game/media room, an attached garage, and abundant off-street parking, along with a dedicated commercial office space providing excellent downtown exposure. Attention to detail is evident throughout, featuring polished concrete flooring, steel-wrapped accents, leathered natural stone countertops, a linear gas fireplace, surround sound, custom cabinetry, and thoughtfully integrated lighting that creates a truly inviting ambiance. The living room opens to a private patio featuring a jacuzzi, sauna, cold plunge, outdoor shower, and a tranquil rock waterfall. The lower level features two income-producing rentals, a studio and a one-bedroom, both offering beautifully remodeled interiors with custom finishes. Each unit has private access and parking, while the one-bedroom also includes a private patio, small office space, and in-unit washer and dryer, providing strong rental income and excellent flexibility.

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Nevada Union High SchoolGrades 9-122.6 mi
6/10

Construction

Condition

  • Year built: 1962

Materials

  • Roof: Flat
  • Construction materials: Block,Concrete,Stone

Type & Style

  • Home type: MultiFamily
  • Architectural style: Mid-Century
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Built-In Electric Range,Built-In Gas Range,Built-In Refrigerator,Ice Maker,Dishwasher,Microwave,Disposal,Double Oven,Electric Cooktop,Tankless Water Heater,Varies By Unit,Wine Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 5
  • Full bathrooms: 5

Features

  • Flooring: Concrete,Tile,Luxury Vinyl Plank,Varies

Heating & Cooling

  • Heating features: Central,Ductless,Fireplace(s),MultiUnits,Zoned,Natural Gas
  • Cooling features: Central Air,Ductless,Varies by Unit,Multi Units,Zoned

Interior Area

  • Total interior livable area: 5,052 sqft

Property

Details

  • Zoning description: Mixed Use
  • Special condition: Standard

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 12
  • Parking features: Attached,Off Street,Open,Garage,Uncovered,Garage Door Opener,Guest
  • 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

  • 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 $12,464$149,568
Home Insurance *$1,283$15,396
Property Taxes $1,499$17,988
Electricity $1,083$13,000
Total$16,329$195,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$559,851/yr
40% on housing$489,870/yr
45% on housing$435,440/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

$488This listing

vs Other Active Listings

Avg $/sqft

ZIP 95959$299
Nevada County$362

vs Homes Sold Last Month

Median $/sqft

ZIP 95959$311
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
2026-05-12Price change$2,465,000
2026-01-21Listed for sale$2,490,000
2019-03-01Sold$675,000

For Sale by Agent

AgentDebbie Dejesus
BrokerageRe/Max Gold

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