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9576 Crystal Bay Ln, Elk Grove, CA, 95758

2beds
2baths
1,998sqft
$878,888
$440price/sqft
$5,902/moest. monthly cost
$236,080/yrincome needed

About This Home

Luxury Lakefront Living in Heritage Lakeside. Experience exceptional waterfront living in one of Heritage at Lakeside's most coveted locations. This beautifully appointed residence combines timeless elegance with thoughtful upgrades, all set against breathtaking panoramic lake views that create the perfect backdrop for everyday living. Designed for both comfort and entertaining, the updated kitchen features granite countertops, stainless steel appliances, abundant cabinetry, and an open layout that flows seamlessly into the spacious living areas. Rich wood flooring, plantation shutters, crown molding, and custom built-in cabinetry throughout the home add warmth, sophistication, and functionality. The versatile office includes a custom Murphy bed, offering the perfect space for guests while maintaining a dedicated home office. Step outside to your private backyard retreat where a pergola, built-in spa, and expansive lakefront setting invite you to relax, entertain, and enjoy spectacular sunsets year-round. Additional highlights include a newer HVAC system, smart whole house water purification system, beautifully maintained landscaping, and an oversized garage with epoxy flooring and exceptional storage. Located within the highly desirable 55+ Heritage Lakeside community, residents enjoy resort-style amenities including a (2) clubhouses, pool, fitness center, tennis and pickleball courts, walking trails, and an active social lifestyle. This is more than a home it's a luxury waterfront lifestyle.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
7/10
9/10
Franklin High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2003

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Cabinets,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Formal Room,Bar

Features

  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,998 sqft

Kitchen

  • Features: Pantry Closet

Master Bathroom

  • Features: Walk-In Closet(s)

Master Bedroom

  • Features: Outside Access

Property

Details

  • Parcel number: 11919500200000
  • Zoning: RD4
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Waterfront features: Lake Access

Lot

  • Lot size: 8,969 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Sacramento 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 $4,444$53,328
Home Insurance *$216$2,592
Property Taxes $814$9,768
Electricity $428$5,141
Total$5,902$70,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$202,354/yr
40% on housing$177,060/yr
45% on housing$157,386/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$440This listing

vs Other Active Listings

Avg $/sqft

ZIP 95758$288
Sacramento County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 95758$317
Sacramento County$320

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
2026-07-10Listed for sale$878,888
2015-08-28Sold$510,000
2015-07-31Pending sale$519,000
2015-06-19Listed for sale$519,000
2004-06-29Sold$480,000
2003-10-02Sold$395,000

For Sale by Agent

AgentIngrid Burden
BrokerageKeller Williams Realty

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