13197 Lake Valley Dr, Auburn, CA 95602, Auburn, 95602 - 6 bed, 5 bath
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Auburn, CA 95602
This Custom Farmhouse Estate represents a High-Potential Investment Opportunity, listed at $1,475,000—positioned slightly above the $1,432,517 Fair Market Value. While not a discount play, the property offers a rare 2.75% VA Assumable Loan on a $726,000 balance, providing significant long-term interest savings. Featuring a 4.7-acre lot, owned solar, and a detached structure with ADU potential, the home maintains a Fair Condition Rating. This unique asset is ideal for Buy-and-Hold Investors or Owner-Occupants seeking a legacy property with exceptional financing leverage.
Luxury 6-bed Auburn farmhouse on 4.7 acres. Rare 2.75% VA assumable loan opportunity, owned solar, and ADU potential. Custom estate with sweeping hill views.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 13197 Lake Valley Dr Subject | $1,475,000* List Price | 6 | 5 | 4,500 | $318 | - |
A 13399 Bell Brook Drive Active | $1,090,000 List Price | 4 | 5 | 3,286 | $332 | 0.6 mi |
* Subject property listed price vs sold prices of comps.
Property is moderate renovation needed.
Built in 1999 (25 years old), the property falls into the 'Fair' category based on age and dated interior elements. While the home is well-maintained and features high-value system upgrades like owned solar and a Generac generator, the kitchen and bathrooms remain aesthetically dated with original tile countertops, 90s-style wallpaper, and older fixtures that require modernization.
The property has a large lot size, which is more than 4 times of its living area. lot size in square feet = 204732, living area = 4500.
The rare 2.75% VA assumable loan on a $726,000 balance offers significant long-term interest savings for qualified buyers, providing a massive competitive advantage in the current rate environment.
Situated on nearly 4.7 acres, the property features a detached two-story structure with ADU potential, owned solar, and NID irrigation, offering immense utility for multi-generational living or hobby farming.
Living area discrepancy between mls listing and other public or private record. mls listing living area = 4500, other record living area = 3674. Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 6, other record bedroom count = 3.
To leverage the VA loan assumption, a buyer would need approximately $750,000 in cash or secondary financing to cover the gap between the existing loan balance and the $1.475M purchase price.
The scale of the 4.7-acre estate and the 4,500 sq. ft. residence built in 1999 requires significant ongoing maintenance and potential updates to aging systems to preserve the luxury standard.
LUXURY LIVING. EXTRAORDINARY FINANCING. RARE 2.75% VA ASSUMABLE LOAN OPPORTUNITY!Imagine owning one of Auburn's premier country estates while assuming an existing VA loan with an approximate $726,000 balance at just 2.75%! Qualified buyers may have the opportunity to assume this exceptional financing, subject to lender approval and VA guidelines. Seller will also credit Buyer $5,000 toward closing costs when financing through the seller's preferred lender. Third-party gap financing options may be available for qualified buyers.THE LAKE VALLEY FARMHOUSE ESTATE Some homes are built to impress. Others are built to become part of a family's story. Beyond a private gated entrance and breathtaking tree-lined drive lies this stunning 4,500 sq. ft. custom farmhouse featuring 6 bedrooms, 4.5 bathrooms, timeless architecture, and sweeping views of rolling hills and lush countryside. An iconic wraparound porch welcomes you into soaring ceilings, abundant natural light, and beautifully designed living spaces. The spectacular chef's kitchen is the heart of the home, showcasing a commercial-grade gas range framed by a custom brick hearth, an oversized island with prep sink, walk-in pantry, abundant cabinetry, and expansive windows overlooking the peaceful landscape. The luxurious main-level primary suite offers two oversized walk-in closets and a spa-inspired bath with dual vanities, soaking tub, and oversized dual-head shower. A formal dining room, family room, living room, covered patio, and dedicated mudroom/laundry room with full bath and direct access to the attached three-car garage provide exceptional comfort and functionality. Upstairs offers spacious bedrooms, including a private suite with an en-suite bath, oversized walk-in closet, and spectacular views. An elegant clawfoot soaking tub adds timeless charm. Owned solar, pre-wired Generac generator, NID irrigation water, fenced garden, multiple outbuildings, and a detached two-story structure with potential for an ADU, guest house, studio, or workshop (buyer to verify) complete this exceptional property. Private tours available. The Lake Valley Farmhouse Estate. A Legacy Begins Here.
No exterior & parking available.
No sensitive facilities data found.
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 6.0 | 0.0 |
| Baths | 5.0 | 0.0 |
| Square foot | 4,500 | - |
| Lot Size | 204,732 | - |
| Price | $1.48M | $670.3K |
| Price per sq ft | $328 | $359 |
| Built year | 1999 | 0 |
| HOA | $0 | $0 |
| Days on market | 27 | 62 |
Jun 25, 2026
$1,475,000
Initial Listing
Nov 4, 1999
$440,000
Public Record