See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

175 White Oak Rd, Santa Ynez, CA, 93460

4beds
6baths
4,000sqft
$3,995,000
$999price/sqft
$23,561/moest. monthly cost
$942,440/yrincome needed

About This Home

A rare offering in Santa Barbara County, this newly constructed Spanish-style villa was principally completed at the end of 2025. Approached via a commanding 1,000-foot paved driveway, the estate sits on 5+ flat, fully usable acres in an idyllic vineyard setting, boasting unobstructed, 360-degree panoramic views of manicured vines and the majestic Santa Ynez Mountains. The main residence spans approximately 3,450sf of thoughtfully designed, step-free living space. An open-concept floor plan features 10ft ceilings throughout, culminating in a dramatic great room with soaring 12ft ceilings. Seamless indoor-outdoor living is achieved via an additional 1,100sf of deep verandas, including a spectacular rear veranda anchored by an outdoor fireplace-perfect for twilight entertaining. The main home offers a dedicated office, a high-capacity laundry room with two sets of washers and dryers, and exceptionally spacious bedrooms, each designed with private ensuites and walk-in closet. Detached from the main residence is a substantial 1,350-square-foot garage building. This versatile structure features a dedicated fitness gym and 500ft independent studio apartment, complete with a full kitchen and full bathroom--ideal for guests. With acres of flat, usable land ready for a custom pool, equestrian facilities, or further agricultural use, this turn-key legacy estate represents the pinnacle of contemporary California living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Excellent
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Wine Refrigerator,Refrigerator,Gas Range,Dishwasher,Disposal,Dryer,Gas Cooktop,Microwave,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile
  • Fireplace features: Living Room,Patio
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 4,000
  • Total interior livable area: 4,000 sqft

Property

Details

  • Parcel number: 141390022
  • Zoning: A-2

Features

  • Levels: Single Story
  • Patio & porch: Deck,Covered
  • Has spa: Yes
  • Spa features: SPA-Outside
  • Has view: Yes
  • View description: Mountain(s),Setting,Panoramic
  • Topography of land: Level

Lot

  • Lot size: 5 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Garage,Epoxy Finished Floor,Circular Driveway,Detached,Electric Vehicle Charging Station(s)
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Drought
Earthquake
Wildfire
Landslide

FEMA Declared Disasters in Santa Barbara County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 $20,200$242,400
Home Insurance *$540$6,480
Property Taxes $1,964$23,568
Electricity $857$10,292
Total$23,561$282,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$807,805/yr
40% on housing$706,830/yr
45% on housing$628,293/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$999This listing

vs Other Active Listings

Avg $/sqft

ZIP 93460$1,518
Santa Barbara County$1,074

vs Homes Sold Last Month

Median $/sqft

ZIP 93460$743
Santa Barbara County$735

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
2026-07-30Price change$3,995,000
2026-06-11Listed for sale$4,125,000

For Sale by Agent

AgentSusan Cervantes
BrokerageSusan Cervantes, Broker

Similar Homes