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187 Scotia Pines Cir
Score
0
Grass Valley, CA

187 Scotia Pines Cir

649K
3 bd • 2 ba • 1,630 sf

This analysis was generated on 1/21/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$649,000

Price/Sq.Ft

$398

Year Built

1996

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This charming home in the desirable Scotia Pines neighborhood offers exceptional value at $398.16/sqft, which is 25.6% below the Grass Valley median of $535/sqft. Recent renovations include new luxury vinyl plank floors, interior paint, and kitchen updates with concrete counters and backsplash, adding significant value. The property boasts a brand-new roof, ensuring long-term peace of mind and potential insurance savings. Its location is prime, within walking distance to Mill St. Plaza, offering easy access to local amenities and Condon Park trails. The 1,630 sqft layout is spacious and functional, featuring vaulted ceilings and an open floor plan. A large mudroom with separate street access adds versatility for home office use. The home's flood risk score of 1/10 is excellent, potentially lowering insurance costs.

The Bad

The property's fire risk score of 8/10 is concerning and will likely result in high insurance premiums. The extreme air quality risk (10/10) with 33 bad air days per year could impact quality of life and potentially property value. The home's age (built in 1996) suggests some systems may need updates in the coming years. The recent price increase from $599,000 to $649,000 (8.3% jump) might deter some buyers in the current market. The kitchen, while updated, still has tile counters in some areas, which may not appeal to all buyers seeking modern finishes throughout.

The Ugly

The severe fire risk (8/10) is a major concern, potentially leading to extremely high insurance costs or difficulty obtaining coverage. Some insurers may have left the market due to wildfire risks, forcing homeowners to rely on the California FAIR Plan, which can be expensive. The extreme air quality risk (10/10) could lead to health issues and may require significant investment in air filtration systems. The property's location in an area with potential cultural tensions between long-term residents and newcomers could impact community dynamics and future property values. The prevalence of wildlife, including bears, could pose challenges for property maintenance and outdoor enjoyment.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is ideal for buyers with household incomes of $150,000+ who can comfortably manage the $649,000 price tag and potential high insurance costs. It suits professionals or small families who value a blend of small-town charm and outdoor living, particularly those who can work from home and utilize the office space. The home is perfect for those who appreciate recent updates but are willing to tackle some future improvements. Buyers who prioritize walkability to local amenities and don't mind the trade-off of limited big-city conveniences will find this location appealing. It's also suitable for those familiar with and prepared for the unique challenges of living in a wildfire-prone area.

Not For

This property is not suitable for buyers with incomes below $150,000 due to the purchase price and potential high insurance costs. It's not ideal for those seeking a fully turnkey property, as some areas may need updates in the coming years. Families requiring more than 3 bedrooms or multiple living areas might find the space limiting. Individuals with respiratory issues may struggle with the extreme air quality risk. Investors looking for high-yield rental properties might find better opportunities elsewhere, given the high purchase price relative to potential rental income in the area. Those unprepared for the challenges of wildlife interactions or the "half-baked" atmosphere described in some local cultural contexts may also find this property unsuitable.
Demographics
Area Median Income

$0

Property History

Price History
Ownership Timeline
$0Cash Purchase
Mar 28, 2024
Christopher J Reid, Meredith C ReidChristopher J Reid, Meredith C Reid
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Feb 15, 2024
Meredith Coley Reid, Coley Family TrustMeredith Robin Coley, Meredith C Reid
Gift Deed
Non-Arm's Length Transactions
$0Cash Purchase
Apr 30, 2014
Vernon J Coley Iii, Coley Family TrustV J Coley, Vernon Jackson Coley Iii
Intrafamily Transfer
Non-Arm's Length Transactions

Property Taxes

$6,517
2024 Tax Assessment
174.8%from previous year
Assessed Value$595,000
Tax Rate1.10%

Sunlight Analysis

Visualize how sunlight affects this property throughout the day and year.

Sunlight Analysis

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Risk Assessment

Climate Risks

airSEVERE

33 bad air quality days per year

fireSEVERE

Insurance: Required

heatMODERATE

7 extreme heat days per year

98th percentile: 95°F

floodMINIMAL

FEMA Zone: Minimal Risk Area

Insurance: Optional

windMINIMAL

Insurance: Optional

Risk Analysis

The severe fire risk (8/10) is the most significant concern, potentially leading to insurance costs well above $2,336.40/year quoted or difficulties in obtaining coverage. The extreme air quality risk (10/10) may necessitate expensive air filtration systems and could impact long-term health. The property's age (29 years) suggests potential for major system replacements in the next 5-10 years, including HVAC, water heater, and possibly some plumbing or electrical components. The recent 8.3% price increase might indicate an overheated market, risking future value stagnation or decline. The area's unique cultural dynamics and prevalence of marijuana growing could impact neighborhood stability and property values. Climate change may exacerbate existing fire and air quality risks over time.
Insurance
Annual Cost

$2,336

$195 per month

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Schools

Lyman Gilmore Middle School

Public•Grades 5-8
5/5
Elementary
0.2 mi
Get more information on GreatSchools

Nevada Union High School

Public•Grades 9-12
7/5
High
1.7 mi
Get more information on GreatSchools

Bell Hill Academy

Public•Grades K-4
5/5
Elementary
0.3 mi
Get more information on GreatSchools

Financials

Monthly Costs
Market Rent (3 bed)

$0

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Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Subject Property

Price
$649,000
Price/sqft
$398
Layout
3 bd•2 ba
Days on market
18 daysat time of analysis

Stats in the Area

Based on 6 comparable properties nearby

Average Price

$474,000

36.9%

Your price is 36.9% above average

Median Price

$520,000

24.8%

Based on 6 recent sales

Price per Sq.Ft

$304

31.0%

Your price is 31.0% above average $/sqft

Comparable Properties

260 Cornwall Avenue, Grass Valley, CA 95945
Price: $450,000
Sq.Ft: 1,478
Beds/Baths: 3/2
$/Sq.Ft:
$30423.5%
Sale Date: 11/17/2024
112 Wood Street, Grass Valley, CA 95945
Price: $499,000
Sq.Ft: 1,486
Beds/Baths: 3/2
$/Sq.Ft:
$33615.7%
Sale Date: 11/7/2024
500 Butler Street, Grass Valley, CA 95945
Price: $520,000
Sq.Ft: 1,446
Beds/Baths: 3/2
$/Sq.Ft:
$3609.7%
Sale Date: 10/22/2024
196 Scotia Pines Circle, Grass Valley, CA 95945
Price: $720,000
Sq.Ft: 1,880
Beds/Baths: 3/2
$/Sq.Ft:
$3833.8%
Sale Date: 10/15/2024
31 Candy Lane, Grass Valley, CA 95945
Price: $110,000
Sq.Ft: 1,392
Beds/Baths: 2/2
$/Sq.Ft:
$7980.2%
Sale Date: 10/9/2024
119 Arden Court, Grass Valley, CA 95945
Price: $545,000
Sq.Ft: 1,494
Beds/Baths: 4/2
$/Sq.Ft:
$3658.4%
Sale Date: 8/31/2024

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