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10863 Highway 99, Live Oak, CA, 95953

--beds
81baths
2,579sqft
$958,000
$371price/sqft
$6,367/moest. monthly cost
$254,680/yrincome needed

About This Home

Great investment opportunity with strong income potential! A home with 8 studios. This unique property features a spacious 3-bedroom 2-full bath main home along with 8 studio units-formely a motel-offering a versatile multi-income setup. The main residence includes oner 1,500 sq ft of living space with central heating and air, a functional layout, tile and laminate flooring, and tile countertops. A detached 2-car garage adds convenience and storage. each of the 8-unit studios includes a full bath and a small kitchen. The studio's building roof was replaced approximate 2 years ago. Two of the unit studios remain unfinished, providing additional value-add potential. Situated on a 1.72 acre lot with excellent freeway access and visibility. this property offers a wide range of potential rental or comercial uses. Realtor advise buyers to verify all zoning, permitted uses, and regulations with the city of Live Oak and with Sutter County.

Getting Around

20
WalkingCar-Dependent
5
TransitMinimal Transit
33
BikeSomewhat Bikeable

Schools

7/10
Luther Elementary SchoolGrades K-50.8 mi
7/10
Live Oak Middle SchoolGrades 6-81.1 mi
6/10
Live Oak High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Raised,Slab
  • Roof: Composition,Shingle
  • Construction materials: Drywall,Stucco,Vertical Siding,Wood Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: See Remarks,Traditional
  • Property subType: Mixed Use

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Water To Refrigerator,Water Heater
  • Laundry features: Gas Dryer Hookup,Inside,Laundry Room

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bathrooms: 81

Features

  • Ceiling Fan(s),Living Room Deck Attached,Open Floorplan,Tile Counters,Unfinished Walls,Bedroom on Main Level,Main Level Primary
  • Door features: French Doors,Panel Doors,Sliding Doors
  • Window features: Double Pane Windows,Screens
  • Flooring: Laminate,Tile
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,579
  • Total interior livable area: 2,579 sqft

Master Bedroom

  • Features: Main Level Primary

Property

Accessibility

  • Accessibility features: Safe Emergency Egress from Home,Parking,Accessible Approach with Ramp,Accessible Doors,Accessible Hallway(s)

Details

  • Parcel number: 006560007000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Exterior features: Rain Gutters
  • Spa features: None
  • Fencing: Chain Link,Fair Condition,Partial
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1.72 Acres
  • Features: 2-5 Units/Acre,Front Yard,Lawn,Level,Street Level

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Direct Access,Driveway Level,Door-Single,Driveway,Garage,Gravel,RV Potential,One Space,Garage Faces Side
  • 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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Lightning

FEMA Declared Disasters in Sutter County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tornado
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 $4,844$58,128
Home Insurance *$348$4,176
Property Taxes $622$7,464
Electricity $553$6,636
Total$6,367$76,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,297/yr
40% on housing$191,010/yr
45% on housing$169,786/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: 8.4%
8.4%
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

$371This listing

vs Other Active Listings

Avg $/sqft

ZIP 95953$249
Sutter County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 95953$292
Sutter County$265

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
2026-05-06Listed for sale$968,000

For Sale by Agent

AgentAmalia Murillo
BrokerageLPT Realty, Inc.

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