495 Lakeridge Ct · Tahoma, CA 96142

$460,000

4 bd · 3.0 ba · 3,370 sqft · SingleFamily public records · 419 Days on market

Built 1978 $136/sqft · 77% below area ↓ 54% since listing

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.4/30.0
• ARV discount +7.5/15.0
• DSCR +5.4/10.0
• 1% rule +4.7/10.0
• Schools +4.4/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. This 4-bedroom, 3-bath home in Lakeridge is positioned on a private cul-de-sac on Lake Tahoe’s west shore and offers notable lake and mountain views from multiple areas of the property. Wood beams and wood floors extend throughout the mountain contemporary interior. An expansive deck provides space for outdoor dining and seating with views of Lake Tahoe. The living room includes two stone fireplaces and a wall of glass doors opening to the deck. One fireplace is double-sided and also serves the formal dining area. The kitchen features wood cabinetry and a breakfast bar connected to the dining space. The primary bedroom includes a stone hearth, an en suite tiled bathroom, and a sliding glass door to the deck with additional lake views. Additional bedrooms and a game room offer flexible spaces for a variety of uses. The home comes fully furnished and professionally decorated.

Key facts

• Lake views
• Wall of glass doors
• Mountain views

Tags

• LAKE VIEWS
• MOUNTAIN VIEWS
• PRIVATE CUL-DE-SAC
• EXPANSIVE DECK
• DUAL STONE FIREPLACES
• WALL OF GLASS DOORS

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $460k.

Deal economics

• At list price, monthly cash flow is $341 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $446k (3.1% below list).
• Recommended offer: $405k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 2.0% in Tahoma — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 52/100 on livability (#1,045 in CA) — a working-class tenant base; expect higher turnover. Strengths: crime A+, employment A; Watch: schools F, amenities F, commute F.
• Tahoe-Truckee Unified (town): math 44% / reading 56% proficiency, ranked #136 of 517 in CA (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 38 active listings in the ZIP; solid renter incomes; 437 units permitted in El Dorado County in 2024 (0 in 5+ unit buildings).
• At $4,456/mo this rent would consume 56% of the median local household income ($95k/yr) (locally 49% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $14k of value loss. Plan a longer hold.
• El Dorado County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 419 days — a 12% lower offer ($405k) is reasonable based on typical stale-listing flexibility.
• 18 sale attempts since 12y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Recommended offer $404,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 419 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.97% ✗
• Cap rate: 7.18%
• Cash-on-cash: 3.18%
• DSCR: 1.14
• GRM: 8.6

CMA / ARV

• ARV (median comp): $1,921,067
• List price: $460,000
• Delta: -76.05%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
495 Lakeridge Ct #2	0.01mi	4/3.0	3,204 (-5%)	2mo	$450,000	$140	89
488 Sweetwater Dr	0.09mi	5/4.0 (+1)	3,241 (-4%)	19mo	$1,325,000	$409	64

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.3%
• Equity multiple: 0.59×
• Total profit: $-52,723
• Equity at exit: $68,587

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-17,632
• Equity at exit: $39,772

Cash invested: $128,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 96142

• Active inventory: 38
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $4,456 medium
• Mortgage (P&I): −$2,412
• Tax est. 1.5%: −$575 /mo · $6,900/yr
• Insurance: −$192
• HOA: −$0
• Vacancy / Maint / Mgmt: −$936
• Net cashflow: $341

Break-even live

Break-even rent $4,024

Max offer price $460,000

Occupancy floor 87%

Sensitivity live

Price	-10% $659	-5% $500	+0% $341	+5% $183	+10% $24
Rent	-10% $-11	-5% $165	+0% $341	+5% $518	+10% $694
Rate	-1.0pp $573	-0.5pp $458	base $341	+0.5pp $222	+1.0pp $101

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $115,000
• Closing costs: $13,800
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-18
   days on market $460,000 Active 419 DOM
2. 2026-06-17
   days on market $460,000 Active 418 DOM
3. 2026-06-16
   days on market $460,000 Active 417 DOM
4. 2026-06-15
   days on market $460,000 Active 416 DOM
5. 2026-06-14
   days on market $460,000 Active 414 DOM
6. 2026-06-10
   days on market $460,000 Active 411 DOM
7. 2026-06-09
   days on market $460,000 Active 410 DOM
8. 2026-06-08
   days on market $460,000 Active 409 DOM
9. 2026-06-07
   days on market $460,000 Active 408 DOM
10. 2026-06-05
    days on market $460,000 Active 405 DOM
11. 2026-06-03
    days on market $460,000 Active 404 DOM
12. 2026-06-02
    days on market $460,000 Active 403 DOM
13. 2026-06-01
    days on market $460,000 Active 402 DOM
14. 2026-05-31
    days on market $460,000 Active 401 DOM
15. 2026-05-30
    days on market $460,000 Active 400 DOM
16. 2026-02-18
    status Active 993-char remark

    Show marketing remark (993 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. This 4-bedroom, 3-bath home in Lakeridge is positioned on a private cul-de-sac on Lake Tahoe’s west shore and offers notable lake and mountain views from multiple areas of the property. Wood beams and wood floors extend throughout the mountain contemporary interior. An expansive deck provides space for outdoor dining and seating with views of Lake Tahoe. The living room includes two stone fireplaces and a wall of glass doors opening to the deck. One fireplace is double-sided and also serves the formal dining area. The kitchen features wood cabinetry and a breakfast bar connected to the dining space. The primary bedroom includes a stone hearth, an en suite tiled bathroom, and a sliding glass door to the deck with additional lake views. Additional bedrooms and a game room offer flexible spaces for a variety of uses. The home comes fully furnished and professionally decorated.

17. 2026-02-18
    historical 993-char remark

    Show marketing remark (993 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. This 4-bedroom, 3-bath home in Lakeridge is positioned on a private cul-de-sac on Lake Tahoe’s west shore and offers notable lake and mountain views from multiple areas of the property. Wood beams and wood floors extend throughout the mountain contemporary interior. An expansive deck provides space for outdoor dining and seating with views of Lake Tahoe. The living room includes two stone fireplaces and a wall of glass doors opening to the deck. One fireplace is double-sided and also serves the formal dining area. The kitchen features wood cabinetry and a breakfast bar connected to the dining space. The primary bedroom includes a stone hearth, an en suite tiled bathroom, and a sliding glass door to the deck with additional lake views. Additional bedrooms and a game room offer flexible spaces for a variety of uses. The home comes fully furnished and professionally decorated.

18. 2025-04-25
    listed $460,000 Active 993-char remark

    Show marketing remark (993 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. This 4-bedroom, 3-bath home in Lakeridge is positioned on a private cul-de-sac on Lake Tahoe’s west shore and offers notable lake and mountain views from multiple areas of the property. Wood beams and wood floors extend throughout the mountain contemporary interior. An expansive deck provides space for outdoor dining and seating with views of Lake Tahoe. The living room includes two stone fireplaces and a wall of glass doors opening to the deck. One fireplace is double-sided and also serves the formal dining area. The kitchen features wood cabinetry and a breakfast bar connected to the dining space. The primary bedroom includes a stone hearth, an en suite tiled bathroom, and a sliding glass door to the deck with additional lake views. Additional bedrooms and a game room offer flexible spaces for a variety of uses. The home comes fully furnished and professionally decorated.

19. 2025-04-18
    soldstatus $425,000 Sold 1160-char remark

    Show marketing remark (1160 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. Beautiful lake and mountain vistas take center stage in Lakeridge. This inviting 4-bedroom, 3-bath home — perched on a private cul de sac on Lake Tahoe’s west shore — is all about amazing views and awesome spaces to relax and entertain. Wood beams and floors fill the entire mountain contemporary home with comfort and warmth. An expansive deck has plenty of room for dining, lounging and taking in serene Lake Tahoe. Inside, the vast living room is bookended by stone fireplaces and a wall of glass doors opening to the deck. One of the fireplaces is double-sided, sharing its glow with the formal dining room. The warmth continues in the kitchen, with wood cabinets and a breakfast bar open to the dining room. Another stone hearth anchors the primary bedroom, with a tiled en suite bathroom and a sliding glass door to the deck and, of course, more panoramic lake views. Add more bedrooms and the game room, and you have the ultimate base camp for year-round fun and adventure. The home comes fully furnished and professionally decorated.

20. 2025-04-11
    status Pending 1160-char remark

    Show marketing remark (1160 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. Beautiful lake and mountain vistas take center stage in Lakeridge. This inviting 4-bedroom, 3-bath home — perched on a private cul de sac on Lake Tahoe’s west shore — is all about amazing views and awesome spaces to relax and entertain. Wood beams and floors fill the entire mountain contemporary home with comfort and warmth. An expansive deck has plenty of room for dining, lounging and taking in serene Lake Tahoe. Inside, the vast living room is bookended by stone fireplaces and a wall of glass doors opening to the deck. One of the fireplaces is double-sided, sharing its glow with the formal dining room. The warmth continues in the kitchen, with wood cabinets and a breakfast bar open to the dining room. Another stone hearth anchors the primary bedroom, with a tiled en suite bathroom and a sliding glass door to the deck and, of course, more panoramic lake views. Add more bedrooms and the game room, and you have the ultimate base camp for year-round fun and adventure. The home comes fully furnished and professionally decorated.

21. 2025-04-07
    listed $450,000 Active 1160-char remark

    Show marketing remark (1160 chars)

    New co-ownership opportunity: Own one-eighth of this professionally managed, turnkey home by Pacaso. Beautiful lake and mountain vistas take center stage in Lakeridge. This inviting 4-bedroom, 3-bath home — perched on a private cul de sac on Lake Tahoe’s west shore — is all about amazing views and awesome spaces to relax and entertain. Wood beams and floors fill the entire mountain contemporary home with comfort and warmth. An expansive deck has plenty of room for dining, lounging and taking in serene Lake Tahoe. Inside, the vast living room is bookended by stone fireplaces and a wall of glass doors opening to the deck. One of the fireplaces is double-sided, sharing its glow with the formal dining room. The warmth continues in the kitchen, with wood cabinets and a breakfast bar open to the dining room. Another stone hearth anchors the primary bedroom, with a tiled en suite bathroom and a sliding glass door to the deck and, of course, more panoramic lake views. Add more bedrooms and the game room, and you have the ultimate base camp for year-round fun and adventure. The home comes fully furnished and professionally decorated.

22. 2024-07-31
    soldstatus $400,000 Sold
23. 2024-05-06
    soldstatus $440,000 Sold
24. 2024-04-30
    status Pending
25. 2024-04-25
    price $435,000
26. 2024-04-25
    price $440,000
27. 2024-04-25
    price $435,000
28. 2024-04-15
    price $440,000
29. 2024-02-21
    price $450,000
30. 2024-02-21
    price $464,000
31. 2024-02-20
    status Active
32. 2024-02-13
    historical
33. 2023-11-13
    price $450,000
34. 2023-10-09
    listed $475,000 Active
35. 2023-01-24
    listed $475,000 Active
36. 2023-01-06
    soldstatus $465,000 Sold
37. 2022-12-14
    listed $465,000 Active
38. 2022-10-19
    soldstatus $465,000 Sold
39. 2022-10-03
    listed $465,000 Active
40. 2022-01-05
    soldstatus $403,000
41. 2022-01-04
    soldstatus $403,000
42. 2022-01-03
    soldstatus $403,000
43. 2022-01-01
    soldstatus $403,000
44. 2022-01-01
    soldstatus $403,000 Sold
45. 2021-12-28
    status Pending
46. 2021-03-27
    listed $403,000
47. 2021-03-27
    listed $403,000
48. 2021-03-27
    listed $403,000
49. 2021-03-27
    listed $403,000
50. 2021-03-27
    listed $403,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone D · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 1/10 Low 9 d/yr ≥85°F today · 23 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 9/10 Extreme 19 unhealthy d/yr today · 24 by 30 yrs out

Taxation est. · year 1

• Rental income: $53,475
• − Mortgage interest: −$25,767
• − Property taxes: −$6,900
• − Insurance: −$2,300
• − Repairs & maintenance: −$4,278
• − Management: −$4,278
• − Depreciation: −$13,382
• Taxable loss: −$3,430
• Est. tax savings @ 24.0%: +$823
• After-tax cash flow: $4,921/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Tahoe-Truckee Unified
• NCES district ID: 0638770
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 56% ▼ -4.00%
• Median HH income: $67,136
• Composite: 44.38/100
• National rank: #2816
• State rank: #136 of 517 in CA

Livability — Tahoma

• Score: 52/100
• State rank: #1045
• US rank: #25120

Category grades

Amenities F Commute F Cost of living F Crime A+ Employment A Housing C Health & safety F User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Placer County · 390,510 people
• City population: 725
• Metro: Sacramento-Roseville-Folsom, CA
• Population (ZIP): 725
• Household income: $95,341
• Rent vs Own: 32.2% rent · 67.8% own
• Severe rent burden: 49.0

Population outlook (El Dorado County) Hauer SSP2

• Today (2025): 191,666 people
• By 2030: 193,662 · +1.0%
• By 2040: 192,583 · +0.5%
• By 2050: 185,904 · -3.0%
• By 2075: 169,543 · -11.5%
• By 2100: 139,623 · -27.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Hispanic / Latino 3% Two or more races 3% Native American 2%
• Common ancestry: Slovak 6% Scotch-Irish 4% Portuguese 3%

Political lean MEDSL · El Dorado

• 2024 margin: R (+12.0) · D 42.6% · R 54.6% · Other 2.8%
• 2008→2024 swing: -1.5pp toward R · 2008: -10.5pp · 2024: -12.0pp
• All cycles: 2024: R+12.0 2020: R+8.8 2016: R+13.9 2012: R+18.2 2008: R+10.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -244.86%
• Current HPI: 274.2125
• Rent YoY: —
• Metro: Sacramento-Roseville-Folsom, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

-53.8% since first listed

59 events — show timeline

• 2026-02-18 Relisted — TSMLS
• 2026-02-18 Delisted — TSMLS
• 2025-04-25 Listed $460,000 TSMLS
• 2025-04-18 Sold (MLS) $425,000 TSMLS
• 2025-04-11 Pending — TSMLS
• 2025-04-07 Listed $450,000 TSMLS
• 2024-07-31 Sold (MLS) $400,000 TSMLS
• 2024-05-06 Sold (MLS) $440,000 TSMLS
• 2024-04-30 Pending — TSMLS
• 2024-04-25 Price Changed $435,000 TSMLS
• 2024-04-25 Price Changed $440,000 TSMLS
• 2024-04-25 Price Changed $435,000 TSMLS
• 2024-04-15 Price Changed $440,000 TSMLS
• 2024-02-21 Price Changed $450,000 TSMLS
• 2024-02-21 Price Changed $464,000 TSMLS
• 2024-02-20 Relisted — TSMLS
• 2024-02-13 Delisted — TSMLS
• 2023-11-13 Price Changed $450,000 TSMLS
• 2023-10-09 Listed $475,000 TSMLS
• 2023-01-24 Listed $475,000 TSMLS
• 2023-01-06 Sold (MLS) $465,000 TSMLS
• 2022-12-14 Listed $465,000 TSMLS
• 2022-10-19 Sold (MLS) $465,000 TSMLS
• 2022-10-03 Listed $465,000 TSMLS
• 2022-01-05 Sold (MLS) $403,000 TSMLS
• 2022-01-04 Sold (MLS) $403,000 TSMLS
• 2022-01-03 Sold (MLS) $403,000 TSMLS
• 2022-01-01 Sold (MLS) $403,000 TSMLS
• 2022-01-01 Sold (MLS) $403,000 TSMLS
• 2021-12-28 Pending — TSMLS
• 2021-03-27 Listed $403,000 TSMLS
• 2021-03-27 Listed $403,000 TSMLS
• 2021-03-27 Listed $403,000 TSMLS
• 2021-03-27 Listed $403,000 TSMLS
• 2021-03-27 Listed $403,000 TSMLS
• 2021-03-10 Sold (Public Records) $2,600,000 Public Records
• 2021-03-10 Sold (MLS) $2,600,000 TSMLS
• 2021-02-09 Contingent — TSMLS
• 2021-01-21 Listed $2,500,000 TSMLS
• 2021-01-16 Price Changed $2,500,000 TSMLS
• 2020-12-18 Price Changed $2,670,000 TSMLS
• 2020-11-30 Price Changed $2,678,000 TSMLS
• 2020-11-20 Price Changed $2,678,900 TSMLS
• 2018-10-25 Sold (MLS) $849,000 TSMLS
• 2016-04-02 Sold (MLS) $1,025,000 TSMLS
• 2016-03-04 Contingent — TSMLS
• 2016-02-29 Delisted — TSMLS
• 2016-01-09 Price Changed $1,150,000 TSMLS
• 2015-08-14 Price Changed $1,219,000 TSMLS
• 2015-07-17 Relisted — TSMLS
• 2015-06-28 Delisted — TSMLS
• 2015-04-03 Listed $1,295,000 TSMLS
• 2014-02-28 Sold (Public Records) $849,000 Public Records
• 2014-02-28 Sold (MLS) $849,000 STARMLS
• 2014-01-16 Pending — STARMLS
• 2014-01-16 Delisted — TSMLS
• 2014-01-10 Listed $849,000 STARMLS
• 2014-01-10 Listed $849,000 TSMLS
• 2004-12-28 Sold (Public Records) $995,000 Public Records

Property tax history

+12.7%/yr

Latest (2025): $31,016 · +3.1% YoY. Source: county tax records.