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2188 Ridge Rider Rd, Bradley, CA, 93426

5beds
3baths
3,163sqft
$999,999
$316price/sqft
$7,096/moest. monthly cost
$283,840/yrincome needed

About This Home

Welcome to the ultimate entertainers sanctuary in the exclusive Oak Shores community at Lake Nacimiento. Spanning 3,163 sq ft, this 5-bedroom, 3-bathroom masterpiece is designed for grand-scale hosting. The open-concept interior flows seamlessly, featuring a stylish wet bar, modern laminate flooring, and new tile. A private downstairs suite with French doors offers the perfect retreat for guests, while the top-floor primary suite boasts a balcony with breathtaking green belt views. Outside, the party comes alive on two levels of Trex decking, surrounded by newly terraced landscaping and secure wrought-iron fencing. Logistics are effortless with parking for over 10 cars plus dedicated covered boat and RV storage. Beyond its beauty, this home is a model of efficiency with a newer 30-year roof and a fully owned solar system equipped with 3 Tesla batteries for true peace of mind. As part of a premier gated community, youll enjoy access to a private marina, clubhouse, 2 pools, and miniature golf course. Whether it's a summer lake day or a cozy family holiday, this is the spacious oasis your inner circle has been waiting for. This is a gated community, please text agent to get access to open house

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Raised,Slab
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Refrigerator,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: DoubleSinks, PrimaryStallShowers, StallShower, Tile, TubinPrimaryBedroom, UpdatedBaths, FullonGroundFloor, PrimaryOversizedTub

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: BreakfastBar, DiningArea

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • Wet Bar,Walk-In Closet(s)
  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 3,163
  • Total interior livable area: 3,163 sqft

Kitchen

  • Features: Countertop_Granite, ExhaustFan, Pantry

Property

Details

  • Parcel number: 012243021
  • Zoning: RSF
  • Special condition: Standard

Features

  • Stories: 3
  • Pool features: Community,In Ground
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Barbecue,Fenced,Courtyard,Drought Tolerant Plants
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Garden/Greenbelt,Hills

Lot

  • Lot size: 6,534 sqft

Parking

  • Total spaces: 10
  • Parking features: Attached,Covered,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Inland Flooding
Landslide
Drought

FEMA Declared Disasters in San Luis Obispo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
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 $5,056$60,672
Home Insurance *$287$3,444
Property Taxes $1,075$12,900
Electricity $678$8,139
Total$7,096$85,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$243,291/yr
40% on housing$212,880/yr
45% on housing$189,226/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 93426$430
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93426$377
San Luis Obispo County$522

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
2026-04-15Listed for sale$1,150,000
2017-04-11Sold$500,000
2017-02-17Pending sale$490,000
2017-02-14Listed for sale$490,000
2011-03-21Sold$325,000
2011-03-02Price change$325,000
2011-02-25Price change$325
2011-02-11Price change$325,000
2011-01-21Price change$340,000
2010-12-31Price change$355,000
2010-12-10Price change$369,900
2010-11-18Listed for sale$385,000
2010-03-29Sold$409,296
2001-08-21Sold$72,500

For Sale by Agent

AgentTerri Cesena
BrokerageBerkshire Hathaway HS Real Time Realty

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