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644 Rustic Ranch Ln, Lincoln, CA, 95648

2beds
2baths
1,854sqft
$589,900
$318price/sqft
$4,030/moest. monthly cost
$161,200/yrincome needed

About This Home

REDUCED 10k!!!Blink and you will miss out on this Del Webb Pulte Built Plumas plan 17232C Beauty just waiting for your final touches! ADT owned Alarm system, Ring doorbell, owned solar and water purification systems,Shutters in all windows.Kitchen with newer appliances, breakfast nook, large island and easy access to the dining area or or Step outside to enjoy your covered patio with remote shades, very private low maintenance landscaping with sprinklers and drip system front and back! You will also enjoy all the amenities of Del Webb senior living that is offered!! Too many to list here! Don't miss out on this opportunity!

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

9/10
8/10

Construction

Condition

  • Year built: 2003

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Dishwasher,Disposal,Microwave
  • Laundry features: Cabinets,Hookups Only,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Dining/Living Combo

Features

  • Flooring: Carpet,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,854 sqft

Kitchen

  • Features: Breakfast Area,Butlers Pantry,Kitchen Island,Synthetic Counter,Kitchen/Family Combo

Master Bathroom

  • Features: Fiberglass,Tub w/Shower Over

Master Bedroom

  • Features: Walk-In Closet,Sitting Area

Property

Details

  • Parcel number: 338120022000
  • Zoning: R-1 55 plus
  • Special condition: Standard
  • Other equipment: Water Cond Equipment Owned,Water Filter System

Features

  • Fencing: Back Yard
  • Topography of land: Level,Level

Lot

  • Lot size: 6,403 sqft
  • Features: Auto Sprinkler F&R,Curb(s)/Gutter(s),Shape Regular,Low Maintenance

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Faces Front,Gentle Up Driveway/Sidewalks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

FEMA Declared Disasters in Placer County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Snowstorm
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 $2,982$35,784
Home Insurance *$149$1,788
Property Taxes $501$6,012
Electricity $398$4,786
Total$4,030$48,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,171/yr
40% on housing$120,900/yr
45% on housing$107,466/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: 9.8%
9.8%
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

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 95648$371
Placer County$403

vs Homes Sold Last Month

Median $/sqft

ZIP 95648$332
Placer County$339

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
2026-08-06Pending sale$589,900
2026-07-29Price change$589,900
2026-07-21Listed for sale$599,900
2003-11-12Sold$346,000

For Sale by Agent

AgentKeith Wenger
BrokerageImperial Mortgage & Real Estate

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