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78188 Providence Cir, Palm Desert, CA, 92211

3beds
3baths
1,632sqft
$449,000
$275price/sqft
$3,314/moest. monthly cost
$132,560/yrincome needed

About This Home

Sun City Palm Desert - Cayman. This rarely available 3 Bedroom, 3 Bathroom version of the greatroom Cayman floorplan is ideally situated on a corner lot at the end of a quiet cul-de-sac. Conveniently located just a short distance from the Sunset View Clubhouse, this home features a private north-facing rear yard with an extended patio and Alumawood patio cover, creating the perfect setting for outdoor relaxation and entertaining. Inside, tile flooring is used extensively throughout the home and plantation shutters enhance nearly every room. The spacious kitchen is designed for both functionality and gathering, featuring a chef's island with breakfast bar, Corian countertops with rounded edges, recessed lighting, and light maple cabinetry that continues throughout the kitchen and bathrooms. The primary suite offers a walk-in closet with mirrored wardrobe doors and an ensuite bathroom with dual sinks, cultured marble surfaces, and a stall shower with glass enclosure. Located on the opposite side of the home, the guest suite includes its own bathroom with a shower/tub combination. An additional guest bedroom also features mirrored wardrobe doors and convenient access to a nearby full bath. Additional highlights include a laundry room with built-in storage and a two-car garage with extensive built-in cabinetry. York AC new 2008. With its desirable location, private outdoor space, and highly sought-after three-bedroom layout, this Cayman presents an exceptional opportunity to enjoy the resort-style lifestyle of Sun City Palm Desert.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
Desert Ridge AcademyGrades 6-81.9 mi
6/10
Shadow Hills High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2000

Other

  • Builder model: Cayman

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,632 sqft

Property

Details

  • Parcel number: 752240031
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Block

Lot

  • Lot size: 6,970 sqft
  • Features: Close to Clubhouse,Cul-De-Sac,Drip Irrigation/Bubblers,Planned Unit Development,Sprinklers Timer,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Side By Side
  • 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Wildfire

FEMA Declared Disasters in Riverside County and California

Earthquake
Fire
Flood
Hurricane
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 $2,270$27,240
Home Insurance *$146$1,752
Property Taxes $500$6,000
Electricity $398$4,786
Total$3,314$39,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,622/yr
40% on housing$99,420/yr
45% on housing$88,373/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 92211$280
Riverside County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 92211$310
Riverside County$315

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
2026-08-08Contingent$449,000
2026-07-31Price change$449,000
2026-06-14Listed for sale$469,000
2000-05-31Sold$200,000

For Sale by Agent

AgentMichael Horne
BrokerageCompass

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