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10702 Stephanie Dr, Live Oak, CA, 95953

3beds
2baths
1,787sqft
$425,000
$238price/sqft
$3,212/moest. monthly cost
$128,480/yrincome needed

About This Home

This beautifully maintained home offers an inviting open floor plan with soaring 10-foot ceilings and elegant plantation shutters throughout, creating a bright and spacious atmosphere. The formal dining area flows seamlessly into the heart of the home, where the kitchen features granite countertops, a gas range stove, breakfast bar seating, a generous dining space, and a large pantry for added storage. A cozy gas fireplace adds warmth and charm to the main living area, making it perfect for both entertaining and everyday living. The spacious primary suite provides a relaxing retreat with a large walk-in closet, dual sinks, a soaking tub, and a separate shower. Additional features include an inside laundry room and a beautifully landscaped backyard complete with a covered patio ideal for outdoor gatherings or quiet evenings at home. Completing the property is a three-car garage offering plenty of space for parking and storage.

Getting Around

28
WalkingCar-Dependent
7
TransitMinimal Transit
35
BikeSomewhat Bikeable

Schools

7/10
Luther Elementary SchoolGrades K-50.7 mi
7/10
Live Oak Middle SchoolGrades 6-81.0 mi
6/10
Live Oak High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2006

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Disposal
  • Laundry features: Cabinets,Other,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Formal Room,Bar

Features

  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,787 sqft

Kitchen

  • Features: Granite Counters,Island w/Sink

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Soaking Tub

Master Bedroom

  • Features: Walk-In Closet,Outside Access

Property

Details

  • Parcel number: 006580032000
  • Zoning description: R1
  • Special condition: Trust

Features

  • Fencing: Back Yard,Wood

Lot

  • Lot size: 7,405 sqft
  • Features: Auto Sprinkler F&R

Parking

  • Total spaces: 3
  • Parking features: RV Possible,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Lightning

FEMA Declared Disasters in Sutter County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tornado
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 $2,149$25,788
Home Insurance *$154$1,848
Property Taxes $511$6,132
Electricity $398$4,786
Total$3,212$38,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,125/yr
40% on housing$96,360/yr
45% on housing$85,653/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 95953$259
Sutter County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 95953$292
Sutter County$265

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
2026-05-10Listed for sale$425,000
2008-10-15Sold$219,500
2008-05-11Listing removed$249,950
2008-05-08Listed for sale$249,950
2006-11-03Sold$285,500

For Sale by Agent

AgentCandice Micheli
BrokerageShowcase Real Estate

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