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1150 Rio Vista Ln, Rio Dell, CA, 95562

4beds
3.5baths
3,183sqft
$925,000
$291price/sqft
$6,252/moest. monthly cost
$250,080/yrincome needed

About This Home

There are properties that check boxes, and there are properties that change the way you think about what's possible. 1150 Rio Vista Lane is the latter. Set at the end of a private lane in Rio Dell, this 3,183-square-foot residence sits on 7.75+ flat, usable acres -- the kind of land that opens up a conversation about what you actually want your life to look like. Hobby farm. Horse property. Creative retreat. Remote work headquarters. The acreage doesn't prescribe a lifestyle; it accommodates one. Built in 2008, the home offers four bedrooms and three and a half bathrooms across a thoughtfully scaled floor plan -- generous enough for a family, versatile enough for guests, and dedicated to a home office or multi-generational living. The covered front porch frames the surrounding natural and invites the kind of slow mornings that are hard to come by anywhere else. A detached two-car garage adds convenience and storage without crowding the main structure, and the fully fenced yard brings a sense of definition to the sprawling grounds. Inside, the composition shingle roof, quality finishes, and 2008 construction timeline mean buyers inherit a well-built home -- not a project. What you see is what you get, and what you get is substantial. The property is also known as Dinsmore Ranch Road -- a name that suits it well. This is genuine North Coast California living: scenic, private, and priced to reflect real value at $975,000. Showings by appointment. Not a drive-by. Come ready to stay awhile.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

2/10
Monument Middle SchoolGrades 6-81.1 mi
7/10
Fortuna Union High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 2008

Type & Style

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

Interior

Appliances

  • Appliances included: Gas,Free-Standing Refrigerator,Cooktop
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3.5

Features

  • Tile Counters
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 3,183
  • Total interior livable area: 3,183 sqft

Property

Features

  • Patio & porch: Porch
  • Exterior features: Garden
  • Fencing: Full
  • Has view: Yes
  • View description: Hills

Lot

  • Lot size: 7.75 Acres
  • Lot size dimensions: IRR

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Humboldt 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 $4,677$56,124
Home Insurance *$416$4,992
Property Taxes $477$5,724
Electricity $682$8,190
Total$6,252$75,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,354/yr
40% on housing$187,560/yr
45% on housing$166,720/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 95562$233
Humboldt County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 95562$251
Humboldt County$274

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
2026-01-22Listed for sale$975,000

For Sale by Agent

AgentJoshua Cook
BrokerageCorcoran Icon Properties Arcata

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