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511 Spruce Way, Oakley, CA, 94561

5beds
3baths
2,833sqft
$775,000
$274price/sqft
$5,202/moest. monthly cost
$208,080/yrincome needed

About This Home

Brand new, energy-efficient home available by May 2026! Discover 77 new single family homes in Oakley, CA with access to the scenic Delta, local shopping, and nearby parks. Each energy-efficient home includes a washer, dryer, refrigerator, and window coverings installed before we hand you the keys, making the move to your new dream home more enjoyable. Designed with quality, convenience, and function in mind, this neighborhood is ideal for those seeking a brand-new home in a well connected community. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

3/10
2/10
5/10
Freedom High SchoolGrades 9-122.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Tile
  • Construction materials: Stucco,Concrete,Frame

Other

  • Builder name: Meritage Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Free-Standing Range,Refrigerator,Dryer,Washer,ENERGY STAR Qualified Appliances
  • Laundry features: Common Area

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Smart Thermostat
  • Flooring: Tile,Vinyl,Carpet
  • Fireplace features: None

Heating & Cooling

  • Heating features: Electric,Zoned
  • Cooling features: Central Air,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,833
  • Total interior livable area: 2,833 sqft

Kitchen

  • Features: 220 Volt Outlet,Breakfast Bar,Dishwasher,Microwave,Range/Oven Free Standing,Refrigerator

Property

Details

  • Zoning: RES
  • Special condition: Standard
  • Other equipment: Irrigation Equipment

Features

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

Lot

  • Lot size: 6,098 sqft
  • Features: Other,Back Yard,Front Yard

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Drought
Heat Wave
Wildfire

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 $3,918$47,016
Home Insurance *$174$2,088
Property Taxes $503$6,036
Electricity $607$7,289
Total$5,202$62,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,354/yr
40% on housing$156,060/yr
45% on housing$138,720/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: 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

$274This 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
2026-05-01Listed for sale$837,600

New Construction Spec

AgentAdam Hieb
BrokerageMeritage Homes

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