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385 Ramos Ranch Rd, Oakley, CA, 94561

4beds
3baths
2,508sqft
$719,000
$287price/sqft
$5,040/moest. monthly cost
$201,600/yrincome needed

About This Home

Don’t miss this nearly new beauty tucked inside Oakley’s gated Acacia community. This home truly showcases pride of ownership with a highly desirable and functional floor plan. The main level features a full bedroom and bathroom—perfect for guests or multigenerational living. The upgraded kitchen is a standout, offering sleek dark cabinetry, quartz countertops, a farmhouse stainless steel sink, an oversized island ideal for entertaining, and a spacious pantry. The adjoining family room provides a warm, inviting space to unwind after a long day. Upstairs, you’ll find a generous loft that can easily serve as a second living area, home office, or gym. The primary suite is a true retreat, complete with a spa-like bathroom featuring dual vanities and separate his-and-hers walk-in closets. Additional highlights include fully paid solar and a convenient location close to shopping, dining, hiking and biking trails, plus easy access to Highway 4 and BART. An incredible opportunity and one of the best values for a nearly new home in the area.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

6/10
2/10
5/10
Freedom High SchoolGrades 9-121.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2021

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar
  • Window features: Window Coverings
  • Flooring: Laminate,Tile,Carpet
  • Fireplace features: None

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,508
  • Total interior livable area: 2,508 sqft

Kitchen

  • Features: Breakfast Bar,Stone Counters,Dishwasher,Eat-in Kitchen,Disposal

Property

Details

  • Parcel number: 0334700879
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Fenced

Lot

  • Lot size: 3,920 sqft
  • Features: Corner Lot,Back Yard

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in Contra Costa County and California

Earthquake
Flood
Mud Landslide
Severe Storm
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 $3,635$43,620
Home Insurance *$162$1,944
Property Taxes $706$8,472
Electricity $537$6,453
Total$5,040$60,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,800/yr
40% on housing$151,200/yr
45% on housing$134,400/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 94561$314
Contra Costa County$420

vs Homes Sold Last Month

Median $/sqft

ZIP 94561$339
Contra Costa County$475

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
2026-04-15Listed for sale$719,000

New Construction

AgentBrionna Chang
BrokerageRedfin

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