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10715 State Highway 89 S #54, Truckee, CA, 96161

1beds
1baths
560sqft
$95,000
$170price/sqft
$959/moest. monthly cost
$38,360/yrincome needed

About This Home

Fully reimagined and taken down to the studs, this updated 1-bedroom home in Donner Creek is a rare chance for local, first-time buyers to actually get a foothold in Truckee. Clean, modern, and easy to maintain, it’s a practical alternative to renting, without giving up the mountain lifestyle. Even better, the seller is willing to consider financing, including potential 4% interest for up to 10 years, subject to buyer qualifications and agreed-upon terms, creating a unique opportunity for more accessible monthly payments and an easier path to ownership. Enjoy the simple perks of living here…Donner Creek right outside your window, the Truckee River just a short walk away, and quick access to Historic Downtown Truckee, local services, and Palisades Tahoe. Inside, you’ll find updated flooring, walls, and lighting throughout, plus central heat and a full-size washer and dryer for comfortable year-round living. Outside, there’s a spacious two-car parking pad and a separate storage shed; plenty of room for vehicles, tools, and all your Tahoe gear. Simple, solid, and attainable, this is a great place to put down roots in Truckee.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
9/10
9/10
Tahoe Truckee High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manufactured
  • Property subType: Mobile Home

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator,Washer,Dryer

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl

Heating

  • Heating features: Natural Gas,CFAH

Interior Area

  • Total structure area: 560
  • Total interior livable area: 560 sqft

Property

Details

  • Parcel number: 910000999000
  • Special condition: Standard

Features

  • Levels: One
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Waterfront features: River/Creek
  • Topography of land: Level

Parking

  • Parking features: None

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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Inland Flooding
Earthquake
Lightning
Wildfire
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 $480$5,760
Home Insurance *$24$288
Property Taxes $57$684
Electricity $398$4,786
Total$959$11,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,880/yr
40% on housing$28,770/yr
45% on housing$25,573/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

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 96161$740
Nevada County$364

vs Homes Sold Last Month

Median $/sqft

ZIP 96161$588
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)

No zestimate history available

Price History

DateEventPrice
2026-04-21Listed for sale$99,000
2026-04-08Pending sale$99,000
2026-03-26Listed for sale$99,000
2022-02-15Sold$85,000
2022-01-10Pending sale$79,500
2021-12-03Listed for sale$79,500

For Sale by Agent

AgentValerie Brinker
BrokerageDickson Realty

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