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166 Oak Tree Cir, Murphys, CA, 95247

3beds
2baths
1,250sqft
$449,900
$360price/sqft
$3,350/moest. monthly cost
$134,000/yrincome needed

About This Home

SINGLE STORY HOME WALKING DISTANCE TO DOWNTOWN MURPHYS - this 3 bedroom 2 bath home has a living room with vaulted ceiling opening to dining and kitchen. The kitchen has refrigerator, gas range, with microwave hood, and dishwasher. The dining room opens to a covered deck and landscaped back yard. The main bedroom with a vaulted ceiling has lots of closets and private bath. There are 2 additional bedrooms, a full bath, a laundry room and 2 car garage.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
Avery Middle SchoolGrades 6-86.5 mi
7/10

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Concrete Perimeter
  • Roof: Fiberglass
  • Construction materials: Floor Insulation,Frame,Wall Insulation,Lap Siding,Wood Siding,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator,Gas Water Heater,Dishwasher,Disposal,Microwave,Dryer,Washer
  • Laundry features: Laundry Room,Cabinets,Ground Floor,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Propane,Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,250 sqft

Kitchen

  • Features: Laminate Counters

Master Bathroom

  • Features: Tub w/Shower Over

Master Bedroom

  • Features: Closet,Ground Floor

Property

Details

  • Parcel number: 068064008000
  • Zoning description: R-1
  • Special condition: Trust
  • Other equipment: Air Purifier

Features

  • Exterior features: Balcony
  • Fencing: Back Yard,Wood,Fenced,Full

Lot

  • Lot size: 6,969 sqft
  • Features: Auto Sprinkler F&R,Irregular Lot,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Attached,RV Storage,Garage Door Opener,Garage Faces Front,Driveway,Gentle Up Driveway/Sidewalks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Inland Flooding
Lightning
Drought
Landslide

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 $2,274$27,288
Home Insurance *$228$2,736
Property Taxes $450$5,400
Electricity $398$4,786
Total$3,350$40,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,857/yr
40% on housing$100,500/yr
45% on housing$89,333/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

$360This listing

vs Other Active Listings

Avg $/sqft

ZIP 95247$318
Calaveras County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 95247
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
2026-04-01Listed for sale$498,000
2012-09-06Sold$171,500
2001-12-21Sold$175,000

For Sale by Agent

AgentDuane Papais
BrokerageRE/MAX Gold - Murphys

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