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675 Oakshire Dr, Ione, CA, 95640

5beds
3baths
2,400sqft
$595,000
$248price/sqft
$4,279/moest. monthly cost
$171,160/yrincome needed

About This Home

Epic investment opportunity! 1650sqft 3 bed/2bath home with a detached 750sqft 2 bed/1bath ADU. This new construction, open floor plan custom home is calling for a savvy investor to have day one equity and offset mortgage costs with solid rental income. The main home is light and bright with modern refinements and luxury details calling for an owner who wants only the best. With owned solar on both units, a park right across the street, a custom pantry, huge island with quartz counter tops, walk-in closets, designer bathrooms, finished garages, and more, this home is ready for years of worry free enjoyment. While every square inch of this home speaks to its quality and elegance, the real selling point is in the numbers. This is new construction with no mello-roos or direct assesments, a new construction warranty, and the ADU is turnkey with estimated monthly rental value of at least $1900. At this price, you'd be buying this home at market value and getting the ADU for less than the cost to build. Turnkey 2 bedroom detached rental units are beyond rare here and are sure to have excellent income potential. The ADU was built with just as much attention to detail as the main house with its own walk-in pantry and even its own attached 1 car garage. Whether you want to occupy both units or invest for rental income, this beautiful turnkey property is a financial gold mine you'll be telling your friends about for decades.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

3/10
Ione Elementary SchoolGrades K-60.8 mi
2/10
Ione Junior High SchoolGrades 6-89.1 mi
7/10
Argonaut High SchoolGrades 9-128.3 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Shingle,Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Cooktop
  • Laundry features: Laundry Room,Cabinets,Hookups Only,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Dining/Living Combo

Features

  • Flooring: Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,400 sqft

Kitchen

  • Features: Breakfast Area,Pantry Closet,Quartz Counter,Kitchen Island

Master Bathroom

  • Features: Double Vanity,Dual Flush Toilet,Tile,Multiple Shower Heads,Quartz

Master Bedroom

  • Features: Walk-In Closet

Property

Details

  • Parcel number: 005337025000
  • Zoning description: R-1b Single Family Residential
  • Special condition: Standard

Features

  • Fencing: Back Yard

Lot

  • Lot size: 8,276 sqft
  • Features: Corner Lot,Grass Artificial,Low Maintenance

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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
    DroughtVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Heat Wave
Lightning
Wildfire
Earthquake
Winter Weather

FEMA Declared Disasters in Amador 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 $3,008$36,096
Home Insurance *$256$3,072
Property Taxes $501$6,012
Electricity $514$6,175
Total$4,279$51,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,708/yr
40% on housing$128,370/yr
45% on housing$114,106/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 95640$284
Amador County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 95640
Amador County$264

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
2026-04-02Price change$725,000
2026-03-18Price change$739,000
2026-03-09Price change$750,000
2026-02-05Price change$765,000
2026-01-15Listed for sale$775,000
2025-12-15Listing removed$839,000
2025-12-01Price change$839,000
2025-10-10Listed for sale$849,000
2024-12-18Sold$35,000
2024-11-04Pending sale$65,000
2024-06-28Listed for sale$65,000
2024-06-05Pending sale$65,000
2024-06-04Listed for sale$65,000

For Sale by Agent

AgentDavid Fisher
BrokerageeXp Realty of California Inc.

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