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13291 Ponderosa Way, Jackson, CA, 95642

2beds
2baths
1,410sqft
$435,000
$309price/sqft
$3,087/moest. monthly cost
$123,480/yrincome needed

About This Home

Welcome to your own private retreat! Situated on 4 picturesque acres with beautiful views, this meticulously maintained 2-bedroom, 2-bath home has been thoughtfully remodeled and is truly move-in ready. The open-concept floor plan creates a bright and inviting living space, perfect for everyday living and entertaining. The updated kitchen features beautiful hickory cabinetry, granite countertops, and ample workspace, while both bathrooms offer custom tile showers with tile shower floors and granite-topped vanities. Durable laminate flooring flows throughout the home, adding warmth and easy maintenance. Major updates include central heat and air installed in 2018 and a newer roof that's only a few years old, providing peace of mind for years to come. Outside, you'll find a spacious two-car garage, RV storage, multiple storage sheds, a Kinetico water system, and an abundance of fruit trees, creating the perfect blend of functionality and country charm. Whether you're looking for a full-time residence or a peaceful getaway, this exceptional property offers privacy, comfort, and room to enjoy the outdoors. DO NOT FOLLOW GPS.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
8/10
Amador High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Dishwasher,Disposal,Microwave,Free-Standing Electric Range
  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo,Formal Area

Features

  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,410 sqft

Kitchen

  • Features: Pantry Cabinet,Granite Counters

Property

Details

  • Zoning: R1A
  • Special condition: Trust
  • Horse amenities: None

Features

  • Topography of land: Lot Sloped,Lot Sloped
  • Horses can be raised: Yes

Lot

  • Lot size: 4.77 Acres
  • Features: See Remarks

Parking

  • Total spaces: 3
  • Parking features: Attached,RV Possible,See Remarks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

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
  • Lightning
    LightningRelatively High
  • Avalanche
    AvalancheModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Lightning
Avalanche
Inland Flooding
Landslide

FEMA Declared Disasters in Amador 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 $2,199$26,388
Home Insurance *$237$2,844
Property Taxes $253$3,036
Electricity $398$4,786
Total$3,087$37,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,840/yr
40% on housing$92,610/yr
45% on housing$82,320/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 95642$219
Amador County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 95642
Amador County$264

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
2026-08-18Pending sale$425,000
2026-08-10Price change$425,000
2026-07-17Listed for sale$435,000
2013-05-15Sold$225,000

For Sale by Agent

AgentKellee Davenport
BrokerageDavenport Properties

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