Financing
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Envoy Mortgage
Michael Haigh
Senior Loan Originator
NMLS ID # 200819
About Me
As your trusted Envoy Mortgage Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate, and make it available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first-time home buyer or a seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
Rojo Mortgage Team
Scott Rojo
Branch Manager
NMLS ID # 352874
About Me
Scott Rojo is an expert in the complexities of the mortgage process. As your Mortgage advisor, he will meet with you to identify your financial options and strategize with you on the best mortgage products that meet both your short and long-term goals. Scott will go over your purchasing power, estimated closing cost, loan options, and benefits. Scott has been helping families buy homes since 2003 and leads a team to ensure your homebuying experience is exceeding expectations. The mortgage industry is a forever changing field, Scott prides himself on knowing the latest products, the best time to lock a rate, and how to make the biggest financial decision in your life look easy. He offers every mortgage product there is and can figure out a way to get your mortgage done. At United Wholesale Lending there is no charge or upfront fees to get approved, so give Scott a call today, so you can be shopping for your dream home by tomorrow!
American Pacific Mortgage
Jason Vassar
Loan Advisor | Roseville Branch
NMLS #1729326
About Me
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.
We offer a full suite of web, mobile, text and email options for you to apply and communicate in the way that works best for you - and have security measures every step of the way to ensure that your private information stays that way.
Whether you're buying your first home, or are a seasoned investor, we have programs that can assist you in your home financing needs, including conventional, jumbo, FHA, VA, USDA, bridge loans, builder loans, renovation loans and more. Call me today to see how I can help you on your path to home ownership, or perhaps to assist in refinancing your current loan to meet the goals you have in mind.
Guaranteed Rate Affinity, LLC
Danica Halverson
Mortgage Advisor
NMLS ID # 486218
About Me
Danica Halverson is a seasoned mortgage advisor with over 26 years of experience in the lending industry. Having lived in Northern California her entire life, she brings a wealth of knowledge to her local clients, guiding them through the many complexities of securing a mortgage.
As a trusted partner, Danica has helped hundreds of clients navigate home purchasing over the course of her career. She is a passionate advocate - working tirelessly to help her clients achieve their financial goals, while providing a stress-free and positive experience throughout initial engagement to final closing.
As a mother, daughter, sister, and loyal friend to many, Danica brings her unique compassion and empathy to all her client interactions. When she is not busy helping families secure their dream homes, Danica enjoys hiking, paddle boarding, cooking, and spending time with her loved ones.
Change Home Mortgage
Vanessa Parkhurst
Mortgage Professional
NMLS ID # 360431
About Me
I started in the mortgage business in 1996 and feel as though I have seen it all. I truly enjoy analyzing each scenario to help structure the best deal to fit your needs and meet your goals. I will find a way to get even the toughest deals closed… and be sure to deliver on time.
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
4355 Gresham Drive El Dorado Hills
Learn More5Bedrooms
5Bathrooms
5,468Square Feet
1.5Acre Lot
$3.675MOffered At
Vista del Prato
A Serrano Country Club Estate—1.5 Acres Across Two Parcels
Some things you feel before you understand them. Catching someone’s eye across a crowded room. The smell of rain before it arrives. Pulling up to the right property for the first time. Vista del Prato is that feeling — the new pair of jeans you already know will one day be your favorite old ones.
The circular drive curves unhurried toward a porte-cochère that makes arriving feel like an occasion. The front balcony opens to 180° views stretching from the clubhouse across rolling, tree-lined hillsides — and before you’ve reached the front door, something has already shifted.
In Serrano, where exceptional homes are the standard, Vista del Prato occupies a category of its own. The distinction isn’t one of quality — this estate is simply not like the others.
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The difference is land. One and a half acres across two parcels, flat, developed, and configured in a way that doesn’t exist anywhere else within the gates. The neighboring homes here reach upward. Vista del Prato reaches outward. And like those jeans, that difference isn’t on a spec sheet. It’s something you feel before you’ve even seen the kitchen.
One parcel holds the residence — the terraces, the pool, the pavilion, the daily rhythm of a life well organized. The second simply opens up. A lawn expansive enough for weddings, long-table dinners under string lights, children disappearing into a Saturday afternoon — or the kind of privacy that lets you exhale completely. You stop explaining it after a while. It just fits.
Every primary space — the owner’s suite, the office, the kitchen, the gathering rooms — sits on the main level, the home moving with you rather than asking anything of you. Walls of glass run the length of the main living areas, keeping the grounds present in every room, the inside and outside in constant quiet conversation.
The kitchen has fed forty guests and quiet Tuesday evenings with equal ease. Sub-Zero refrigeration, a Wolf six-burner cooktop with griddle, three Wolf ovens, dual KitchenAid dishwashers, a generous island with prep sink, walk-in pantry, and a butler’s pantry with glass display cabinetry and dual wine refrigeration. Nothing announces itself. Everything performs.
The owner’s suite opens directly to the terrace. The spa bath offers a soaking tub with a view and an oversized walk-in shower for two. The custom walk-in closet has its own integrated laundry — the kind of detail you’ll stop noticing because it simply becomes the way things work. One day you’ll try to explain this home to someone and realize you can’t quite articulate why it matters so much. You just know it does.
On summer weekends the grounds take on a life of their own — beach-entry pool, waterfall, slide, spa, and poolside bar, bocce court, firepit lounge, covered pavilion, and a fully equipped outdoor kitchen. Music threads softly through the property from the whole-home audio system. Guests move where they want, stay as long as they like, and the property never runs out of room. The backyard you’ve been designing in your head for years.
After dinner the lower level finds its own mood. The media and game lounge, a temperature-controlled wine cellar with room for 1,600 bottles, and double sliding doors that open to a covered patio. The evening refuses to end at a reasonable hour. Nobody’s complaining.
Owned solar, backup generator, five-zone HVAC with app controls, fully integrated smart home, two separate two-car garages — one with RV-height doors, custom cabinetry, and epoxy floors. These are not features you tour. They are features you rely on until they become as invisible and indispensable as everything else here.
This is the property that gets better with every season. The one that becomes so woven into your life you stop imagining it any other way — the backdrop to every important moment for as long as you own it.
Vista del Prato cannot be recreated. The land doesn’t exist elsewhere in Serrano. The configuration isn’t repeatable. And like anything that fits this well from the very first moment — you’ll soon wonder how you ever lived without it.
Gallery
A Closer Look
Features List
What Makes This Property Truly Exceptional
Luxury Features
- Designed for true main-level living, with the owner’s suite, executive office, guest accommodations, and primary living spaces all on the ground floor
- Serrano has no shortage of luxury homes. Vista del Prato is the rare luxury estate — set across two separate parcels totaling approximately 1.5 acres
- A scale of flat, usable outdoor space that simply does not exist elsewhere within Serrano
- A modern, open-concept layout anchored by a chef’s kitchen and expansive great room — equally suited for intimate evenings and large-scale entertaining
- True estate-sized grounds that have hosted weddings, fundraisers, and large gatherings, with an expansive lawn, pavilion, pool, spa, firepit lounge, bocce court, sport court, and multiple outdoor living spaces
- Resort-caliber pool with beach entry, cabo shelf, spa, waterfall, slide, poolside bar, LED lighting, and premium Wet Edge finish by Burkett’s
- Elevated front balcony with sweeping 180° views extending from the Serrano clubhouse across rolling, tree-lined hillsides
- Custom millwork, architectural detailing, and recent interior updates — including new paint and carpeting throughout
- Statement Galileo chandelier with integrated lift system in the foyer
- Travertine, Theory wide-plank wood-look ceramic tile, and handcrafted Arto tile flooring
- Temperature-controlled wine cellar
- Three fireplaces positioned throughout the great room, media lounge, and owner’s suite
- HOA conditionally approved plans for substantial future expansion available upon request
Great Room / Kitchen
- Walls of glass frame the grounds and bring natural light into the home
- Chef’s kitchen appointed with newer Sub-Zero refrigeration, three Wolf ovens, Wolf four-burner cooktop with griddle, newer dual KitchenAid dishwashers, warming drawer, leathered granite surfaces, and professional-grade appliances throughout
- Generous island with prep sink and newer trash compactor
- Dining spaces overlooking the pool and mature landscaping
- Built-in custom china cabinet
- Walk-in pantry and butler’s pantry
- Direct connection to the great room, terrace, and outdoor entertaining areas
Owner’s Suite
- Private main-level retreat with direct front terrace and backyard access
- Spa bath with dual vanities, makeup counter, oversized walk-in shower for two, soaking tub with a view, and dual water closets
- Beautiful walk-in closet with custom built-ins, center island with stone top, and integrated laundry
- Fireplace and sitting area create a quiet retreat within the home
Media / Game Room
- New linear gas fireplace with custom Arto tile surround
- Automated Hunter Douglas blinds
- New carpet
Exterior / Backyard
- One of the few true estate properties within Serrano, organized across two separate parcels totaling approximately 1.5 acres
- Expansive flat lawn creates a level of usable outdoor space and separation unmatched within the community
- One parcel organized around the residence, pool, patio, and outdoor living areas; the second dedicated to the open lawn and event-scale grounds
- Outdoor kitchen with gas grill, two beverage refrigerators, dishwasher, garbage/recycling drawers, storage, and abundant bar seating
- Pool and spa with beach entry, cabo shelf, waterfall, slide, poolside bar, LED lighting, and Wet Edge finish by Burkett’s
- New pool in-floor cleaning modules (2025)
- Pool bathroom finished with custom Arto tile and elevated designer detailing
- Firepit lounge pavilion
- Sport court
- Bocce court
- Multiple covered and open-air seating areas positioned throughout the grounds
Systems
- Owned solar array with 60 panels
- 2 water heaters (2020)
- 2 sets of washer/dryers (2023)
- Backup natural gas generator
- Hunter Douglas automated shades
- Whole-home audio and whole-house fan
- Integrated smart home systems controlling climate, lighting, pool/spa functions, security, and garage access
- Lutron smart lighting controls in strategic locations
- Five-zone HVAC system with app-based controls
- Commercial-grade whole-house wireless network
Utilities (Monthly Average)
- PG&E: avg $675/month
- El Dorado Irrigation District (EID): avg $512/month
- El Dorado Disposal: $67/month
- HOA: $446/month
Take The Tour
Video Tour
Yoffie Real Estate Group
Your Listing Agents
By The Numbers
Property Details
Main House
| Total Bedrooms | 5 |
|---|---|
| Bathrooms | 5 |
| Square Footage | 5,468 |
| Year Built | 2001 — substantially updated under current stewardship |
| Lot Size | ?1.48 acres · 64,550 sq ft across two parcels |
| Garage | Two 2-car garages (one with RV-height doors) |
Financial
| Offered At | $3,675,000 |
|---|---|
| HOA | $446/month |
| MLS # | 226060465 |
El Dorado Hills, California
Location
4355 Gresham Drive sits within the guard-gated Serrano community of El Dorado Hills, in El Dorado County, California — roughly 30 minutes east of Sacramento, with Folsom Lake and the Sierra foothills close at hand. For current pricing and inventory trends in the area, see the El Dorado Hills real estate market report.
Good To Know
Frequently Asked Questions
Is 4355 Gresham Drive a single-story home?
The home is designed for true main-level living. The owner's suite, executive office, guest accommodations, and all primary living spaces sit on the ground floor. A lower level adds a dedicated media and game lounge and a temperature-controlled wine cellar, but daily life never requires stairs.
How large is the lot at 4355 Gresham Drive?
The property spans approximately 1.5 acres across two separate parcels, totaling roughly 64,550 square feet. One parcel holds the residence, pool, and outdoor living areas; the second is an open, event-scale lawn. It is a scale of flat, usable land that does not exist elsewhere within the Serrano community.
What are the HOA fees for this Serrano property?
The Serrano HOA fee is $446 per month. The HOA has also conditionally approved plans for substantial future expansion of the home, which are available for review upon request.
What are the typical utility costs?
Recent monthly averages are approximately $675 for PG&E, $512 for the El Dorado Irrigation District, and $67 for El Dorado Disposal. An owned 60-panel solar array helps offset the home's electricity costs.
Is the solar system owned or leased?
The solar array is fully owned and conveys with the home. It includes 60 panels, and the property is further supported by a backup natural gas generator and a five-zone HVAC system with app-based controls.
What outdoor amenities does the property include?
The grounds include a resort-caliber pool with beach entry, cabo shelf, spa, waterfall, slide, and poolside bar, along with a firepit lounge pavilion, a lighted bocce court, a sport court, and a fully equipped outdoor kitchen. New in-floor pool cleaning modules were added in 2025.
Interested In This Property?
4355 Gresham Drive, El Dorado Hills
Request a private showing or a detailed property package. Jon and Shannon Yoffie of Yoffie Real Estate Group will respond personally.
