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20045 Jesus Maria Rd, Mokelumne Hill, CA, 95245

5beds
3baths
3,000sqft
$369,900
$123price/sqft
$3,085/moest. monthly cost
$123,400/yrincome needed

About This Home

Nestled in the peaceful foothills of Mountain Ranch, this exceptional 5-acre property offers the perfect blend of country charm, functionality, and spacious living. Fully fenced and cross-fenced, the property is ideal for animals, hobby farming, or anyone seeking room to roam and enjoy the outdoors. Multiple outbuildings and storage areas provide endless possibilities for equipment, workshops, livestock, or recreational use. The impressive approximately 3,000 square foot home features 5 spacious bedrooms and 3 full bathrooms with a Spacious open floor plan perfect for entertaining and everyday living. The expansive living areas flow seamlessly into the kitchen and dining spaces, creating a warm and inviting atmosphere filled with natural light. A dedicated laundry room, extra rooms for office, hobbies, or guest space, and a large enclosed patio add flexibility and comfort for today's lifestyle needs. Surrounded by the beauty and tranquility of Calaveras County, this property offers privacy, usable land, and the opportunity to enjoy true country living while still being conveniently located near outdoor recreation, lakes, trails, and charming Gold Country towns. Whether you're looking for a family homestead, horse property, or multi-use retreat, this Mountain Ranch gem delivers space, versatility, and endless potential. Many Photos are virtually stages. See all origninal photos also attached and here, https://view.spiro.media/order/dfa10cd5-694c-480c-827e-8f343051d1b0?branding=false

Getting Around

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

Schools

5/10
Calaveras High SchoolGrades 8-1211.1 mi
3/10
Toyon Middle SchoolGrades 6-814.2 mi

Construction

Condition

  • Year built: 1968

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Range Hood,Dishwasher,Free-Standing Electric Range
  • Laundry features: Hookups Only

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Area

Features

  • Flooring: Laminate,Wood

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,000 sqft

Kitchen

  • Features: Pantry Closet,Laminate Counters

Master Bedroom

  • Features: Outside Access

Property

Details

  • Parcel number: 020027078000
  • Zoning: R-5
  • Special condition: Real Estate Owned
  • Horse amenities: Cross Fenced,Fenced,See Remarks,Other

Features

  • Levels: One
  • Stories: 1
  • Fencing: Barbed Wire,Partial Cross
  • Topography of land: Rolling,Level,Rolling,Level
  • Horses can be raised: Yes

Lot

  • Lot size: 5.03 Acres
  • Features: Sprinklers In Front,Private,See Remarks

Parking

  • Parking features: Other

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters in Calaveras County and California

Earthquake
Fire
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 $1,870$22,440
Home Insurance *$209$2,508
Property Taxes $363$4,356
Electricity $643$7,719
Total$3,085$37,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,771/yr
40% on housing$92,550/yr
45% on housing$82,266/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: 18.3%
18.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 95245$359
Calaveras County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 95245
Calaveras 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
2025-12-18Sold$208,800
2025-10-25Pending sale$298,000
2025-10-21Listed for sale$298,000
2025-10-17Pending sale$298,000
2025-09-18Price change$298,000
2025-06-26Price change$330,000
2025-06-11Pending sale$350,000
2025-06-04Price change$330,000
2025-06-04Price change$350,000
2025-05-10Price change$330,000
2025-02-11Price change$350,000
2025-02-02Price change$379,999
2024-10-23Price change$399,999
2024-09-23Price change$465,000
2024-07-24Price change$475,000
2024-06-05Price change$495,000
2024-06-03Price change$795,000
2024-06-03Listed for sale$495,000
2019-02-16Sold$289,000
2019-01-21Pending sale$310,000
2018-11-07Listed for sale$310,000
2017-04-20Sold$247,000
2017-01-05Listed for sale$259,000
2009-11-24Sold$157,000

Unknown Listed By

AgentJoan Irish
BrokerageCentury 21 Sierra Properties

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