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3070 Dogwood Creek Rd, Rail Road Flat, CA, 95248

3beds
3baths
2,341sqft
$619,000
$264price/sqft
$4,534/moest. monthly cost
$181,360/yrincome needed

About This Home

Experience the beauty of true country living with this exceptional custom home set on just over 10 private acres. A year-round creek borders the property, creating a peaceful, storybook setting that feels worlds away. Thoughtfully designed and offered by the original owners, this home showcases soaring vaulted ceilings in both the spacious family room and the primary suite, creating an open, airy feel filled with natural light. Expansive windows throughout bring the outdoors in, framing picturesque views of the surrounding landscape and frequent visits from local wildlife, including deer and Turkeys. The well-designed floor plan offers both comfort and functionality, featuring a gourmet kitchen ideal for gathering and entertaining. All main living is on the first floor. A generous upstairs bonus room provides flexible space for guests, storage, or a creative retreat. Additional highlights include fully paid solar for energy efficiency, a large 24x36 shop/workshop perfect for hobbies or projects, and an attached two-car garage. This is more than a home—it’s a private sanctuary where nature, space, and thoughtful design come together beautifully.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10
Calaveras High SchoolGrades 8-1216.9 mi
3/10
Toyon Middle SchoolGrades 6-819.7 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 2002

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

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

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,341
  • Total interior livable area: 2,341 sqft

Kitchen

  • Features: Stone Counters, Dishwasher, Disposal, Kitchen Island, Range/Oven Free Standing

Property

Details

  • Parcel number: 014030050
  • Special condition: Standard

Features

  • Levels: Two Story
  • Stories: 2
  • Pool features: None
  • Exterior features: Back Yard,Front Yard,Landscape Front,Private Entrance,See Remarks
  • On waterfront: Yes
  • Waterfront features: Creek

Lot

  • Lot size: 10.19 Acres
  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,RV/Boat Parking,RV Possible,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters in Calaveras County and California

Earthquake
Fire
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 $3,130$37,560
Home Insurance *$316$3,792
Property Taxes $587$7,044
Electricity $501$6,023
Total$4,534$54,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,451/yr
40% on housing$136,020/yr
45% on housing$120,906/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: 18.3%
18.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$264This listing

vs Other Active Listings

Avg $/sqft

ZIP 95248
Calaveras County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 95248
Calaveras County$274

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
2026-05-05Listed for sale$619,000
2024-09-28Listing removed$699,500
2024-08-08Price change$699,500
2024-05-09Listed for sale$745,000

For Sale by Agent

AgentLeanne Smith
BrokerageRE/MAX Gold - Murphys

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