Yoffie Real Estate Group - Keller Williams Realty El Dorado Hills

08/30/2026

A client called me last month. Kitchen remodel finished, contractor paid, and she asked almost as an afterthought whether any of it "counted for taxes."

Good question. Better one than she realized.

A repair and a capital improvement can cost the exact same amount and look identical on a bank statement. The IRS does not see them the same way at all. One of them quietly lowers what you owe the day you sell. The other one, replacing a broken window, patching drywall, doesn't move the needle.

Here's the part that surprised her: if she'd renovated in 2025 expecting an energy-efficiency tax credit this year, she'd have been out of luck. Most of those credits ended December 31, 2025. Easy to miss unless someone's already watching for it on your behalf.

None of this requires selling anything. It just requires keeping the receipt.

Full breakdown in the first comment, plus a free one-page tracker if you want to start your own paper trail.

What's the last project you did on your house, do you still have the invoice?

08/29/2026

Bay Area folks, can you imagine living like this for $1.525M?

Here's your chance to make that dream a reality!

Single story. 3,207 square feet. A pool and spa. And a view that runs across the Sacramento Valley, past the downtown Sacramento skyline, all the way to Mt. Diablo.
14893 Rustic Ridge Circle is in Russell Ranch in Folsom, and the backyard is only part of the story.

Four panels of glass stack away to connect the great room to the covered outdoor living space. The kitchen has GE Café Pro appliances and a six-burner range. There’s a private front courtyard, three-car garage and more than $345,000 in upgrades.

And yes, it’s single story.

4 bedrooms | 4 baths | 3,207 sq ft | $1,525,000

Come see it this weekend:
Saturday, August 29 | 12–4 PM
Sunday, August 30 | 12–4 PM

If you’re shopping in Folsom or the Sacramento region—or sitting in the Bay Area wondering why you're living in a 1960's ranch house under the phone lines, this one is worth the drive.

Plus it's an easy shot to the lake, local wine country, Lake Tahoe, and the adventure the Sierra Nevada offers!

14893 Rustic Ridge Cir, Folsom

See the full listing, photos & details in the first comment

Single story. A panoramic view stretching across the Sacramento Valley, past the downtown skyline, to Mt. Diablo. A wall of glass that opens your great room into your backyard. A pool and spa beyond. And over $345,000 in upgrades completed before you move a single box. Four panels of glass stack so....

08/21/2026

🦄 𝐔𝐍𝐈𝐂𝐎𝐑𝐍 𝐀𝐋𝐄𝐑𝐓!! 🦄

✅ Single story
✅ View to the horizon
✅ Pool, spa & fire pit
✅ Open, modern design
✅ Sliding, glass wall to outdoor living room
✅ Beautifully upgraded
✅ Pre-paid solar lease

NEW LISTING | Russell Ranch, Folsom CA
Open Friday, Saturday & Sunday

Single story. The view runs the length of the Sacramento Valley, past the downtown skyline, to Mt. Diablo. The pool is right there waiting.

That's the backdrop at 14893 Rustic Ridge Circle, a single-story home in Russell Ranch where 3,207 square feet, a 0.24-acre view lot, and a kitchen built around a GE Cafe Pro six-burner range mean the day is yours to fill.

4 bed · 4 bath · 3,207 sq ft · built 2021. List price: $1,525,000.

The backyard is where this one wins: a pool with a Baja shelf, a spa, a fire pit, and a covered California room, all part of a $160,000 pool and backyard renovation. A wall of stacking glass panels folds the great room straight into the patio, so the party never really moves indoors. The primary suite opens direct to the backyard, with a dual-vanity spa bath, soaking tub, walk-in shower, and custom built-in closet. $345,524 in upgrades since the home was built in 2021, including a new 2024 air conditioning system.

Russell Ranch is a newer ridge-top neighborhood in Folsom, CA 95630, Sacramento County, a short drive from Folsom Lake and minutes from historic Sutter Street.

Open house this weekend: Friday 4-6pm, Saturday & Sunday 12-4pm.

Full details and tour link in the first comment below 👇

(916) 941-6566 | CA DRE # 02030510 | Yoffie Real Estate Group

Yoffie Real Estate Group - Keller Williams Realty El Dorado Hills
We make real estate dreams come tr

08/20/2026

You have a doctor. Probably a CPA. Maybe a mechanic who knows your car by name.

Here's the one advisor most people drop the day escrow closes: the person who helped them buy the house.

That's a bigger miss than it sounds. Home equity made up 45% of the median homeowner's net worth in 2021, more than retirement accounts and financial accounts combined. It's the most valuable asset most people own, and it's usually the one nobody's checking on.

I've had a version of this conversation with a handful of past clients this year: an insurance policy that quietly changed carriers, a remodel that didn't add what they expected, a property tax question on an inherited home with a one-year clock nobody mentioned.

None of it requires buying or selling anything. It just requires someone still paying attention.

We wrote up why in the full post, link in the first comment.

Who's the person you'd actually call if something felt off with the house?

08/19/2026

Record Keeping Tip:

As soon as you buy a house, open a new Gmail account using the address ([email protected])

Then send every single invoice, receipt, quote, etc., having to do with the home to this address

New landscaping
Replaced floors
Repaired broken roof tiles
Built a pool
Etc.

Each of these improvements raise your cost basis and can lower your capital gains when you someday sell. Everything will always be in one place. This will save you from hours of searching for receipts later.

08/15/2026

Only 32 jurisdictions in California — less than 6% — are on track to hit their “very low” new housing targets. That refers to housing within financial reach of anyone earning less than half the typical local income.

California ordered cities and counties to plan for 2.5 million new homes by 2030. Only five jurisdictions are on track to hit their numbers.

08/12/2026

Dear everyone waiting for mortgage rates to drop:

Mortgage rates haven't gotten the memo that you are expecting them to drop.

For the fourth August in a row, mortgage rates are sitting in essentially the same place.

August 2023.
August 2024.
August 2025.
August 2026.
All between 6.63% and 6.9%.

Four years of buyers saying, “I’ll wait until rates come down.”

Four years later… still waiting.

This isn’t an argument that rates will never fall. They will move. They always do.

It’s an argument against putting your life—or your real estate plans—on hold while trying to predict *when* they’ll fall.

Over those four years, people have changed jobs, gotten married, had kids, become empty nesters, retired, relocated, built equity, lost opportunities, watched home prices change, and paid rent while waiting for the “right” rate.

Meanwhile, the August mortgage rate keeps looking remarkably similar.

The better question may not be:

**“When will rates come down?”**

It may be:

**“Does buying make sense for me at today’s price, today’s rate, and with my plans for what I want in my life?”**

Read more about the Cost of Waiting 👇

08/12/2026

229 homes sold in El Dorado Hills over the past three months. 209 of them closed under $2 million. Only 20 closed above it.

That split isn't random. Under $2M, supply is running 2.3 months right now, tight enough that well-priced homes are gone before most sellers finish deciding whether to negotiate. From $2M to $5M, it's 6.4 months. Above $5M, nothing has closed since May.

Here's the part that surprises people: luxury buyers haven't disappeared. Homes above $3M that actually sell are closing in 8 to 14 days, almost as fast as anything under $1M. It's the overpriced listings sitting for 100+ days that make the whole tier look frozen.

Same city, same three months, two very different markets depending on your price point.

Where do you think your neighborhood falls on this line?

08/04/2026

Inheriting a home does not mean inheriting the loan.

Something you might want to discus with you trust advisor.

Families may inherit the house but face refinance pressure, five-figure demands, or foreclosure before gaining control of its affordable loan.