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1274 McCabe Cir, Galt, CA, 95632

4beds
2baths
2,290sqft
$669,287
$292price/sqft
$4,470/moest. monthly cost
$178,800/yrincome needed

About This Home

Plan 2290 at Willow in Elliott Ranch offers 2,290 sq. ft. of thoughtfully designed single-story living with 4 bedrooms and 2 bathrooms. Enter through the covered porch into a spacious hallway leading to a dedicated bedroom wing, where three secondary bedrooms share a full bath. Continuing down the hall, the home opens into a bright, open-concept living space featuring the kitchen, dining area, and great room. The kitchen boasts a large center island, walk-in pantry, and direct access to the drop zone and finished two-car garage. The drop zone includes a utility room and abundant storage, making it a functional hub for busy households. The private primary suite is tucked away at the back of the home, offering a serene retreat with an oversized walk-in closet and a private en-suite bath with dual sinks. With its seamless flow, ample storage, and inviting design, Plan 2290 combines modern comfort with practical living for families of all sizes.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
6/10
Galt High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Elliott Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 2,290 sqft

Property

Features

  • Levels: 1.0
  • Stories: 1

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage 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
    DroughtModerate

How This Home’s Risks Compare

Drought

FEMA Declared Disasters in Sacramento 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 $3,384$40,608
Home Insurance *$172$2,064
Property Taxes $423$5,076
Electricity $491$5,892
Total$4,470$53,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,257/yr
40% on housing$134,100/yr
45% on housing$119,200/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 95632$286
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95632$314
Sacramento County$320

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
2026-04-04Price change$663,287
2026-01-27Price change$662,863
2026-01-10Listed for sale$637,950

New Construction Spec

BrokerageElliott Homes

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