masterkey logo
9548 Velvet Leaf Cir
San Ramon, CA

9548 Velvet Leaf Cir

$2,699,000
4 bd • 3 ba • 2,727 sf

This analysis was generated by artificial intelligence on 1/24/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$2,699,000

Price/Sq.Ft

$990

Year Built

2002

AI Property Analysis

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

The Good

The property at 9548 Velvet Leaf Cir, San Ramon, CA 94582 boasts several impressive features. It's a spacious 2,727 sqft single-story home with 4 bedrooms and 2.5 bathrooms, built in 2002, which is relatively new for the area. The location is exceptional, perched above the prestigious Bridges Golf Course with stunning views from every angle. The open concept layout, large kitchen island, and separate eating area with custom built-ins make it ideal for both daily living and entertaining. The primary suite features a grand bathroom with a jetted tub and oversized walk-in closet. The property sits on a generous nearly 1/4 acre lot, offering ample outdoor space including a covered patio and large side yard with storage shed. The Bridges community amenities, including a pool, clubhouse, and tennis courts, add significant value. The home's location is also advantageous, being close to highly-rated schools: Coyote Creek Elementary (9/10), Gale Ranch Middle School (8/10), and Dougherty Valley High School (10/10).

The Bad

The property's price point of $2,699,000 translates to a high price per square foot of $989.73, which is significantly above the median for San Ramon. This high price may limit the pool of potential buyers. The property has been on the market for 16 days, which is slightly longer than average in this competitive market, potentially indicating it's priced above market expectations. The estimated insurance cost of $9,716.40 per year is quite high, likely due to the property's value and the severe fire risk. The severe air quality risk (8/10) with 15 bad air days per year could be a concern for some buyers, potentially impacting outdoor enjoyment and health. The home's age, while not old, means some systems and appliances may need updating or replacement in the near future.

The Ugly

The most concerning aspect of this property is the severe fire risk (7/10), which is reflected in the critical need for fire insurance. This high risk could lead to significantly increased insurance premiums and potential difficulty in obtaining coverage. The severe air quality risk (8/10) is another major concern, potentially impacting the health and quality of life for residents. The property's high price point, combined with San Ramon's already high cost of living, results in a total monthly ownership cost that could be prohibitive for many buyers. Assuming a 20% down payment and a 30-year mortgage at current rates, the monthly payment could exceed $15,000 when factoring in property taxes, insurance, and potential HOA fees. The property's appreciation potential may be limited due to its already high valuation, potentially making it a less attractive investment compared to more moderately priced homes in the area.

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 best suited for affluent buyers with a household income well over $500,000 per year, given the high monthly costs. It's ideal for golf enthusiasts who will appreciate the views and proximity to the Bridges Golf Course. The single-story layout and community amenities make it perfect for active retirees or empty nesters looking for a luxury property with minimal stairs. The home's layout and size also cater well to families with older children or those who frequently entertain. The dedicated home office space makes it suitable for professionals who work remotely and need a quiet, separate workspace. Buyers who prioritize excellent schools and a safe, upscale community will find this property particularly appealing.

Not For

This property is not suitable for first-time homebuyers or those with limited budgets due to its high price point and ongoing costs. Investors looking for rental properties may find the potential returns unattractive given the high purchase price and the area's rental rates (even at $4,780 for a 4-bedroom, the yield would be low). Buyers sensitive to air quality issues or those with respiratory conditions may want to reconsider due to the severe air quality risk. Those seeking a more diverse or urban environment might find the suburban setting and lack of housing diversity in San Ramon limiting. Buyers uncomfortable with the high fire risk or unable to secure adequate insurance coverage should look elsewhere.
Demographics
Area Median Income

$186,367

Price Prediction Challenge

Think you know what 9548 Velvet Leaf Cir will sell for? Put your market expertise to the test!

Be the first to predict

Your local insight could help set the benchmark for other buyers.

No predictions yet

Kick off the challenge by making your guess. You'll help other buyers get a feel for this property’s value—and you might just claim the top spot when it sells.

Unlock Premium Features

Supercharge Your Property Analysis

Get unlimited AI-powered insights and analysis to make confident decisions about any property you're interested in.

Best for serious buyers
  • Unlimited AI analysis
  • Unlimited AI chat
  • Advanced tools & insights
$24.92/mo
Billed yearlySave 17% ($60/year)
Cancel anytime • 30-day money-back guarantee

Risk Assessment

Climate Risks

airSEVERE

15 bad air quality days per year

fireSEVERE

Insurance: Required

heatMODERATE

7 extreme heat days per year

98th percentile: 97°F

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

windMINIMAL

Insurance: Optional

Risk Analysis

The severe fire risk (7/10) is the most significant concern, potentially leading to difficulty obtaining insurance, high premiums, and the risk of property damage or loss. The severe air quality risk (8/10) could lead to health issues and reduced outdoor enjoyment. The high purchase price and monthly costs make the property vulnerable to market downturns, potentially leading to negative equity if property values decline. The home's age (built in 2002) means that some major systems (HVAC, roof, etc.) may need replacement or significant maintenance in the next 5-10 years. The property's high-end market position may limit its pool of potential buyers in the future, potentially extending time on market for resale. Ongoing development in San Ramon could impact views or increase traffic congestion. Climate change could exacerbate both fire and air quality risks over time.
Insurance
Annual Cost

$9,716

$810 per month

Financials

Monthly Costs
Market Rent (4 bed)

$4,780

Get a detailed rental estimate on Zillow®
HOA Fee

$40

Price History

Property Taxes

$33,474
2024 Tax Assessment
1.5%from previous year
Assessed Value$2,830,928
Tax Rate1.18%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$2,268,648

-15.9% below list price

Median Price

$2,415,000

Based on 6 recent sales

Price per Sq.Ft

$826

Comparable Properties

9115 S Gale Ridge Rd, San Ramon, CA 94582
Price: $2,415,000
Sq.Ft: 2,717
Beds/Baths: 4/3
$/Sq.Ft:
$88910.2%
Sale Date: 10/11/2024
137 Black Calla Ct, San Ramon, CA 94582
Price: $2,305,000
Sq.Ft: 2,811
Beds/Baths: 4/3
$/Sq.Ft:
$82017.2%
Sale Date: 10/2/2024
2075 Canyon Lakes Dr, San Ramon, CA 94582
Price: $1,500,000
Sq.Ft: 2,474
Beds/Baths: 3/3
$/Sq.Ft:
$60638.7%
Sale Date: 10/4/2024
120 Dorset Ct, San Ramon, CA 94583
Price: $2,341,888
Sq.Ft: 2,847
Beds/Baths: 5/3
$/Sq.Ft:
$82316.9%
Sale Date: 9/11/2024
5008 Lilac Ridge Rd, San Ramon, CA 94582
Price: $2,625,000
Sq.Ft: 3,170
Beds/Baths: 5/3
$/Sq.Ft:
$82816.3%
Sale Date: 10/24/2024
3044 Sorrelwood Drive, San Ramon, CA 94582
Price: $2,425,000
Sq.Ft: 2,449
Beds/Baths: 4/3
$/Sq.Ft:
$9900.0%
Sale Date: 9/26/2024

Frequently Asked Questions

Property Discussion

Start the Conversation

Share your insights on this property—did you visit the open house? Know of any hidden pros or cons? Your street-level knowledge could be exactly what another buyer needs.

You
Potential Savings

$80,970

Analyze Any Property for Free

Get instant insights and potential savings on any Zillow® listing.

Free Analysis
AI-Powered Insights
Instant Results