Aerial view of a tree-lined Nevada downtown with a domed capitol building below the Carson Range
Golf-course community · Northwest Carson City

Silver Oak Homes For Sale

Nevada Real Estate Group — your Silver Oak specialists. Search homes for sale in Carson City's premier golf-course community: single-family homes from the $500,000s to $900,000s+, fairway and Sierra Nevada views, and 10 minutes to the State Capitol.

Browse Homes

Where Can I Find Silver Oak Homes for Sale?

Silver Oak typically carries a limited selection of active listings at any time in ZIP 89703, priced $500K–$900K+ per NNRMLS data. According to NREG’s MLS analysis, northwest Carson City golf-course inventory is among the tightest in the region — fairway-fronting homes change hands infrequently. The newest listings appear below, refreshed daily from live NNRMLS data.

  • MEDIAN LIST PRICE (ZIP 89703)

    $737K

    NREG analysis of NNRMLS data via Repliers, as of October 29, 2026

  • DAYS ON MARKET (ZIP 89703)

    63

    NREG analysis of NNRMLS data via Repliers, as of October 29, 2026

  • COMMUNITY TYPE

    Golf-Course

    NREG community profile

  • TO LAKE TAHOE

    ~30 min

    via US-50 West

Chris Nevada, Founder of Nevada Real Estate Group

Written by

Chris Nevada

Founder, Nevada Real Estate Group · Nevada License S.181401

16+ years in Nevada real estate

Page updated September 26, 2026

Property research

Verify for your address

Confirm current school assignments, association documents, parcel taxes, and insurance with the applicable sources.

Last updated

September 26, 2026

Individual data periods may differ from the page update date.

KEY TAKEAWAYS

What Should You Know About Silver Oak at a Glance?

Silver Oak is Carson City's premier golf-course community in ZIP 89703, with homes priced from $500K to $900K+ and a median list price near $737,000 per NREG’s MLS analysis and NNRMLS data. The five takeaways below capture what those numbers mean for buyers in this U.S. Census Bureau-tracked Carson City corridor.

  • Community type: Golf-course neighborhood built around the 18-hole Silver Oak Golf Course, a public layout in the Sierra Nevada foothills of northwest Carson City.
  • Median list price (ZIP 89703): $737,000 (October 2026) — homes range from the mid-$500,000s to $900,000s and above for larger or fairway-fronting properties.
  • Best for: golfers, retirees, California relocators, state-government and healthcare professionals, and buyers who want Sierra foothill views with capital-city convenience.
  • Schools: Carson City School District — the state capital has its own district, separate from Washoe County. Verify current zoning for a specific address before purchasing.
  • Why people choose Silver Oak: golf-course lifestyle, Sierra and valley views, 10 minutes to the State Capitol, Nevada's zero state income tax, and 30 minutes to both Reno and Lake Tahoe.

Last updated October 2026 · Sources: NREG’s MLS analysis, U.S. Census, U.S. Census Bureau (Carson City)

PRICE DISTRIBUTION

How Many Carson City Homes Sell in Each Price Range?

The ZIP 89703 median list price sits near $737K per NREG’s MLS analysis October 2026 NNRMLS data. Active inventory in northwest Carson City concentrates in the $500K–$800K range, with a smaller but active upper tier above $800K for larger or fairway-fronting Silver Oak homes. Each card shows current listing counts for ZIP 89703.

Under $500K

2

active listings

Browse Under $500K →

$500K–$650K

1

active listings

Browse $500K–$650K →

$650K–$800K

3

active listings

Browse $650K–$800K →

$800K–$900K

5

active listings

Browse $800K–$900K →

$900K+

8

active listings

Browse $900K+ →

All Carson City

19

active listings

Browse All Carson City →
Browse Silver Oak & Carson City Listings

How Can You Find a Silver Oak Home by Type, Lifestyle & Price?

Silver Oak listings are filtered by ZIP 89703 — roughly 95 active homes across northwest Carson City, with Silver Oak golf-course homes a targeted subset. Each link opens our live NNRMLS search pre-filtered to that slice, with counts updated daily from NREG’s MLS analysis and NNRMLS data.

Which Carson City Communities Should You Explore?

Tap a community to see its dedicated page — current listings, price ranges, school district details, and what daily life looks like inside each neighborhood.

74 active listings across ZIP 89703 as of October 29, 2026 · MLS data

STAY AHEAD OF THE MARKET

How Can You Get New Silver Oak Listings First?

With limited active listings in Silver Oak at any time and homes going under contract in a median 45 days per NREG’s analysis of NNRMLS data, buyers who see new listings within hours hold a real advantage. Set a custom alert by price, beds, baths, and lot type — no spam, unsubscribe anytime.

  • Custom criteria — neighborhood, price, beds, baths, features
  • Instant alerts — emailed within minutes of a new MLS listing
  • 1,200+ buyers used NREG alerts last year

Create your alert

School planning

Which Schools Serve a Carson City Address?

Ask the district for the address-specific school assignment for the enrollment year, since boundaries change, and confirm it before you buy. Proximity to a school does not guarantee admission; charter, magnet and private schools set their own rules. Find your school district · Nevada Report Card

CRIME DATA

How Can You Check Reported Crime Near a Home?

Ask the law-enforcement agency that serves the address for its current reports, and compare places only across the same reporting period, boundary and offense definitions. Missing records do not mean zero crime, the FBI cautions against ranking communities on crime totals alone, and a citywide figure does not describe a particular street.

FBI crime data resources · FBI guidance on comparing communities

Living In

What's It Like Living in Silver Oak?


The Answer

Silver Oak delivers golf-course foothill living in northwest Carson City (ZIP 89703): homes wrapping an 18-hole public course, Sierra Nevada and valley views, and state-capital convenience minutes away. Developed by multiple builders over several phases, the community is served by the Carson City School District — Nevada's capital city operates its own independent district, separate from Washoe County.

What is Silver Oak known for?

Silver Oak is known as Carson City's premier golf-course community, built around the 18-hole Silver Oak Golf Course with its Sierra Nevada foothill setting, mountain and valley views, and an on-site event center. The neighborhood combines the quiet, park-like character of a golf-course corridor with practical capital-city proximity — 10 minutes to downtown Carson City and 30 minutes to both Reno and Lake Tahoe's East Shore.

Who should live in Silver Oak?

Silver Oak fits golfers and active-lifestyle buyers, retirees who want Sierra foothill scenery with urban convenience, California relocators seeking Nevada's tax advantages, and state-government or healthcare professionals who want quality housing close to Carson City's employment base. The $500K–$900K+ price range makes it accessible to a wider buyer pool than comparable Reno foothill communities.

What is daily life like in Silver Oak?

Daily life centers on the golf course in season, with morning tee times, evening walks along the fairways, and a 10-minute drive to Carson City's Carson Street corridor for dining and shopping. Weekday commutes to the Capitol or state agency offices run under 15 minutes. Weekends stretch naturally to Lake Tahoe 30 minutes west via US-50, or Reno 30 minutes north via US-395 and I-580 for a broader dining and entertainment scene.

Location

Where Is Silver Oak

Silver Oak sits in the Sierra Nevada foothills of northwest Carson City, Nevada (ZIP 89703), approximately 10 minutes from downtown Carson City, 30 minutes from Reno via US-395/I-580, and 30 minutes from Lake Tahoe via US-50.

Downtown Carson City
10
Min
Reno
30
Min
Lake Tahoe (East Shore)
30
Min
Reno-Tahoe Airport
35
Min
Minden / Gardnerville
20
Min

Silver Oak

At a Glance
$737,000
Median List Price (ZIP 89703)
~$295
Price / Sq Ft (ZIP 89703)
63
Days on Market (ZIP 89703)
$500K–$900K+
Price Range (Silver Oak)

Median, active-listing and days-on-market tiles: NREG analysis of NNRMLS data via Repliers, as of October 29, 2026.

Community Type
Golf-Course Community
Course
Silver Oak Golf Course (18-hole public)
Price Range
$500K–$900K+
Developer
Multiple builders
Guard-Gated
No (open access)
Schools
Carson City School District
ZIP Code
89703
To Downtown Carson City
~10 min via Carson St
To Reno
~30 min via US-395 / I-580
To Lake Tahoe
~30 min via US-50

Quick Answer

Why is Silver Oak a good place to live?

Silver Oak combines golf-course living with Sierra foothill views, quiet northwest Carson City streets, and one of the most flexible commute positions in Northern Nevada — 10 minutes to the State Capitol, 30 minutes to Reno, and 30 minutes to Lake Tahoe via US-50. Nevada's zero state income tax and a 3% property-tax cap under NRS 361.4723 make the long-run carrying cost predictable. For buyers who want a resort-lifestyle feel in a capital-city address at pricing well below Reno's South foothill tier, Silver Oak is the clearest value in Carson City.

Source: U.S. Census Bureau (Carson City)

Census Housing Data / Silver Oak

What Does the Census Show About Housing in Silver Oak?

According to the U.S. Census Bureau, the tiles below compare housing and population figures for Silver Oak and its surrounding area with the wider county. Each tile's label names the area it covers.

These are housing and population counts only. We don't describe who lives in a neighborhood or suggest which buyers it suits. Compare homes by their features, location, HOA terms and total cost, and use the Census source for the full tables.

ZIP Code
89703
Northwest Carson City
Median Home Value (ZIP 89703)
$627K
vs Carson City $453K
Owner-Occupied (ZIP 89703)
~73%
vs Carson City 62%
Golf-Course / View Lots
Significant share
vs Carson City avg ~5%

Source: U.S. Census Bureau ACS 2020–2024 5-year estimates (ZIP 89703) · Updated

GROWTH & APPRECIATION

How Fast Is Northwest Carson City Growing?

Carson City has seen steady growth over the past decade, driven by Northern Nevada's broader population gains, California in-migration, and the appeal of state-capital stability at a price point below Reno-Sparks.

+2.5%Estimated YoY median price growth (ZIP 89703, 2026)
30 minTo Lake Tahoe via US-50
30 minTo Reno via US-395/I-580

ZIP 89703 median list price trajectory, 2010–2026

Silver Oak and the northwest Carson City corridor have appreciated consistently, tracking the broader Northern Nevada market while benefiting from the golf-course lifestyle premium that resists oversupply. Carson City's role as Nevada's state capital provides employment-base stability that pure bedroom communities lack, and the US-50 Lake Tahoe corridor continues to draw buyers who want mountain access without full Tahoe pricing.

2010
$350K
2015
$400K
2020
$490K
2026
$610K+

Sources: NREG’s MLS analysis and U.S. Census Bureau ACS. Median price figures from NNRMLS active listings; historical approximations. Last updated June 2026.

REPORTED MARKET SERIES

How Is the Silver Oak Real Estate Market Trending?

Median list price, days on market, and active inventory for ZIP 89703 — the northwest Carson City ZIP covering Silver Oak and surrounding neighborhoods — from Northern Nevada Regional MLS and NREG’s analysis of NNRMLS data data. Current median sits near $610,000, up approximately 2.5% year-over-year, with a median 45 days on market. Updated monthly.

Median List Price (ZIP 89703)

+2.5% YoY (May 2025 → May 2026)

Source: NREG analysis of Northern Nevada Regional MLS data via Repliers

Days on Market

40 → 45 days YoY — golf-course tier moves at measured pace

Source: NREG analysis of Northern Nevada Regional MLS data via Repliers

Active Listings (ZIP 89703)

~95 across ZIP; Silver Oak a smaller share of total inventory

Source: NREG analysis of Northern Nevada Regional MLS data via Repliers

The long view: the median sold price in Carson City rose 94% between 2015 ($222,000) and 2021 ($430,000), across 10,287 recorded closings — Northern Nevada Regional MLS (NNRMLS) records via Repliers.

63
MEDIAN DAYS ON MARKET (ZIP 89703) · OCT 29, 2026
$737K
MEDIAN LIST PRICE (ZIP 89703) · OCT 29, 2026
$500K–$900K+
SILVER OAK PRICE RANGE
< 1 hr
OUR RESPONSE TIME

HOMES MOVE FAST

Get matched with a
Silver Oak specialist.

Market Competitiveness

How Competitive Is Silver Oak Right Now?

Silver Oak is a moderately competitive golf-course market in ZIP 89703. Homes at $500K–$700K attract solid interest with a median 45 days on market per NNRMLS data, while fairway-fronting properties above $800K take two to three months. The qualified buyer pool for premium Carson City golf-course addresses is narrower than in Reno-Sparks.

  • 45 daysMedian days on market (ZIP 89703)
  • $500K–$900K+Silver Oak price range
  • ~$295Median price per sq ft (ZIP 89703)
  • Golf-CourseCommunity character
Before You Buy

What Should You Compare Before Buying a Home in Silver Oak?

Compare individual homes by the features, services, and total ownership costs that matter to you. The points below can help structure your property research before you make an offer.

Which Buyer Types Fit Silver Oak?

Golfers & Active-Lifestyle Buyers

  • 18-hole public course accessible from home without a membership
  • Practice facilities and event center on-site
  • Lake Tahoe skiing and recreation 30 minutes away
  • Year-round outdoor access in the Sierra foothills
Best for Golfers & Active-Lifestyle Buyers →

California Relocators

  • Zero Nevada state income tax vs. California's 13.3%
  • Golf-course lots at a fraction of Bay Area comparable pricing
  • 30-minute airport access via Reno-Tahoe International
  • State-capital stability and Sierra Nevada scenery
Best for California Relocators →

Northern Nevada Move-Up Buyers

  • Move up to golf-course lifestyle at $500K–$900K+
  • Below the entry point of Reno South foothill golf communities
  • Stable capital-city employment base underpins long-run value
  • 3% property-tax cap protects against carrying-cost increases
Best for Northern Nevada Move-Up Buyers →

Buy-and-Hold Investors

  • Rental demand from state-government and healthcare professionals
  • Golf-course lifestyle commands rental premium over standard Carson City stock
  • $2,200–$3,500/month estimated rental range
  • Nevada's zero state income tax applies to rental income
Best for Buy-and-Hold Investors →

Best Fit For

  • Golfers and active-lifestyle buyers — an 18-hole public course woven through the neighborhood with Sierra Nevada views and Lake Tahoe 30 minutes away.
  • California relocators — golf-course living at a fraction of Bay Area comparable pricing, Nevada's zero state income tax, and Tahoe access on US-50.
  • State-government and healthcare professionals — the closest premium neighborhood to Nevada's Capitol complex and Carson Tahoe Health.
  • Move-up buyers from the broader Northern Nevada market — golf-course character and Sierra foothill views below the entry price of comparable Reno communities.
  • Buy-and-hold investors — rental demand from state professionals, healthcare workers, and remote workers who want the Silver Oak lifestyle before committing to purchase.

Ready to explore homes in Silver Oak? Our team knows the northwest Carson City golf-course market, active listing history, and which fairway positions carry the strongest premiums.

Start Your Home Search

Pros

  • Carson City's only major golf-course community — 18-hole public course accessible from home without a membership
  • Sierra Nevada foothill views from fairway-adjacent and interior lots throughout the community
  • Zero Nevada state income tax saves high earners substantial annual income vs. California
  • Below Reno South foothill pricing for comparable golf-course and mountain-view lifestyle
  • 30 minutes to Lake Tahoe via US-50 and 30 minutes to Reno via US-395/I-580
  • 3% property-tax cap under NRS 361.4723 for predictable long-run carrying costs
  • Capital-city employment stability anchored by Nevada state government

Honest Considerations

  • Carson City School District is separate from Washoe County — ratings vary by campus; confirm assignments before purchasing
  • Open-access community — buyers wanting 24/7 staffed gates should look at gated Northern Nevada enclaves instead
  • Limited inventory means fewer active choices at any given time vs. larger Reno-Sparks master plans
  • Golf-course homes may carry specific HOA rules about fairway-adjacent landscaping and maintenance
  • Reno-Tahoe Airport is 30–35 minutes away — longer than South Reno foothill communities for frequent fliers

Carson City Comparison

How Does Silver Oak Compare to Lakeview Estates, West Side Historic District & Schulz Ranch?

A side-by-side comparison of four Carson City communities — Silver Oak golf-course character, Lakeview Estates wooded canyon setting, the West Side Historic District near the Capitol, and Schulz Ranch master-planned family living — using active-listing data from NREG’s MLS analysis and NNRMLS. Prices span the affordable mid-$400,000s to $900,000s+ across the four communities.

Carson City community comparison · June 2026
SubmarketMedian Price$ / Sq FtDays on MarketActive ListingsBest For
Silver Oak$650,000~$295458Golf-Course · Views · Retirees
Lakeview Estates$600,000~$285506Wooded · Canyon · Views
West Side Historic District$520,000~$2654010Historic · Near Capitol · Walkable
Schulz Ranch$490,000~$2503514Family · Master-Planned · Parks
Carson City (all ZIP 89703)$610,000~$2904595Full market · All buyer types

Source: NREG’s MLS analysis and NNRMLS data, June 2026. Median prices based on active listings; days on market from closed sales.

Neighborhood Deep Dive

What's Inside Each Carson City Community?

Submarket 1

Silver Oak

Carson City's premier golf-course community wrapping the 18-hole Silver Oak Golf Course, with Sierra Nevada foothill views, 10 minutes to the Capitol, and homes from $500K to $900K+. The best lifestyle balance of golf, views, and capital-city convenience in Northern Nevada.

Browse Silver Oak homes →
$650KMedian Price
45Days on Market
8Active Listings
~$295Price / Sq Ft

Submarket 2

Lakeview Estates

Wooded canyon homes on the north edge of Carson City overlooking Washoe Lake — a quieter, more secluded setting than Silver Oak with similar pricing and the capital-city location.

Browse Lakeview Estates homes →
$600KMedian Price
50Days on Market
6Active Listings
~$285Price / Sq Ft

Submarket 3

West Side Historic District

Carson City's only designated residential historic district, close to the Capitol and the Riverwalk. Charming older homes for buyers who want walkable urban character at a below-Silver-Oak price point.

Browse West Side Historic District homes →
$520KMedian Price
40Days on Market
10Active Listings
~$265Price / Sq Ft

Submarket 4

Schulz Ranch

Newer master-planned community in the western Carson City foothills with parks, trails, and production-build homes — the best option for families who want newer construction and community amenities at entry pricing.

Browse Schulz Ranch homes →
$490KMedian Price
35Days on Market
14Active Listings
~$250Price / Sq Ft

Submarket 5

Carson City (all ZIP 89703)

The full northwest Carson City market in ZIP 89703 — spanning golf-course premium homes to entry-level suburban addresses, with a statewide tax advantage and Sierra Nevada access as the shared foundation.

Browse Carson City (all ZIP 89703) homes →
$610KMedian Price
45Days on Market
95Active Listings
~$290Price / Sq Ft

Submarket 6

ZIP 89703 — Northwest Carson City Market Overview

The full ZIP 89703 market in northwest Carson City holds approximately 95 active listings from under $500K to $900K+, spanning Silver Oak golf-course premium homes, foothill view lots, and family subdivisions — with new homes entering daily from live NNRMLS data.

Browse ZIP 89703 — Northwest Carson City Market Overview homes →
$610KZIP Median List Price
95+Active Listings (ZIP 89703)
+2.5%YoY Price Growth
45 daysMedian DOM

Where Is Silver Oak on the Map?

Silver Oak sits in the Sierra Nevada foothills of northwest Carson City (ZIP 89703), roughly 10 minutes from downtown Carson City and the State Capitol, 30 minutes from Reno via US-395/I-580, and 30 minutes from Lake Tahoe's East Shore via US-50. Lakeview Estates, the West Side Historic District, and Schulz Ranch are all within Carson City.

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TEAM IN NEVADA
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HOMES SOLD SINCE 2011
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AVERAGE RESPONSE

STILL DECIDING?

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neighborhood fits?

BY ZIP CODE

What Does the Carson City Market Look Like by ZIP Code?

ZIP 89703 is northwest Carson City's primary residential ZIP, covering Silver Oak, Lakeview Estates, and surrounding foothill neighborhoods. Its $610K median list price leads all Carson City ZIPs per NREG’s analysis of NNRMLS data. The table below compares it to other Carson City ZIPs and nearby Northern Nevada markets by price, pace, and inventory.

Carson City and Northern Nevada ZIP code market data · June 2026
ZIPPrimary AreaMedian Price$ / Sq FtDays on MarketActiveYoY
89703Northwest Carson City · Silver Oak · Lakeview$610K~$2954595+2.5%
89701Central / East Carson City · Historic District$480K~$25538110+1.8%
89706South Carson City · Schulz Ranch · Eagle Valley$510K~$26535120+2.1%
89423Minden / Gardnerville (Carson Valley)$580K~$28042140+2.3%
89521South Reno · Damonte Ranch (Washoe County)$565K~$29028256+2.2%
89511South Reno Foothills · ArrowCreek (Washoe County)$745K~$35542265+2.8%

Source: NREG’s MLS analysis and NNRMLS. Medians from active listings; YoY from closed sales, 2026 vs 2025 year-to-date. ZIP boundaries per Carson City Assessor.

Outdoor Recreation

What Outdoor Amenities Does Silver Oak Offer?

Silver Oak's central outdoor amenity is the 18-hole Silver Oak Golf Course, woven through the community. Beyond the course, the Carson City Parks & Recreation network and the US-50 corridor to Lake Tahoe put Sierra Nevada recreation — beaches, ski resorts, hiking, and boating — within a 30-minute drive.

IN-COMMUNITY

Silver Oak Golf Course

18 holes (public)Golf · Practice facilities · EventsPublic green fees

The neighborhood's centerpiece — a public 18-hole layout in the Sierra foothills with an event center and driving range, accessible to all residents and visitors without a membership.

30 MIN

Lake Tahoe (East Shore)

191 sq miBeaches · Boating · HikingFree shoreline access

The East Shore of Lake Tahoe, including Cave Rock State Park and Skunk Harbor, is 30 minutes west on US-50 — the closest major lake recreational area to Silver Oak.

30 MIN

Cave Rock State Park

State parkHiking · Climbing · Lake ViewsDay-use fee

A popular East Shore hiking and rock-climbing destination with panoramic Lake Tahoe views, just 30 minutes from Silver Oak on US-50.

NEARBY

Carson City Parks Network

Multiple parksTrails · Playgrounds · SportsFree

Carson City maintains a network of parks and trails including Lone Mountain Regional Park, Mills Park, and the Riverwalk, all within a short drive of Silver Oak.

20 MIN

Carson Valley (Minden / Gardnerville)

Valley recreationGliding · Golf · HikingVaries

The Carson Valley south of Silver Oak is home to soaring and gliding at Minden Airport, additional golf courses, and mountain biking in the Sierra to the west.

45–60 MIN

Lake Tahoe Ski Resorts

Multiple resortsSkiing · SnowboardingTicketed

South Lake Tahoe ski resorts including Heavenly are 45–60 minutes from Silver Oak, and North Shore resorts like Northstar add variety for ski-season weekends.

NEARBY

Pinyon Hills Golf Course

9 holesGolfPublic green fees

A convenient second golf option near Silver Oak for shorter rounds or practice, adding flexibility for daily players.

10 MIN

Riverwalk District & Brewery Arts Center

Downtown Carson CityWalking · Arts · DiningFree

Carson City's Riverwalk District and the Brewery Arts Center provide walkable cultural amenities 10 minutes from Silver Oak — a draw for retirees and weekend residents alike.

The Silver Oak Lifestyle

What Does a Weekend in Silver Oak Look Like?

Morning tee times on the Silver Oak Golf Course, afternoon drives to Lake Tahoe on US-50, and evening dining downtown — Silver Oak sits at the intersection of capital-city convenience and Sierra Nevada adventure, per Carson City Parks & Recreation's parks and outdoor network.

18 holesPublic Golf On-Site
30 minTo Lake Tahoe
10 minTo State Capitol
$500K+Starting Price

THIS WEEKEND'S OPEN HOUSES

Can You Tour Silver Oak Homes This Weekend?

Silver Oak carries a limited number of active listings in ZIP 89703 at any given time, so open houses are less frequent than in high-volume Reno-Sparks master plans. Most sellers prefer coordinated private showings. Set an instant alert to be notified when a Silver Oak home schedules an open house, or call (775) 277-2120 to arrange a private tour.

Planning a move

What Should I Verify Before Moving to Silver Oak?

Budget around the specific home, not a community average. Before you compare the cost of a move to Silver Oak, get these in writing:

  • The parcel's annual assessment, prior-year tax bill and abatement eligibility. A sale alone does not reset Nevada’s tax cap. Nevada tax-abatement rules
  • Lender, insurance and utility quotes for the exact address, plus the association's resale documents and any special assessments.
  • The school assignment for the enrollment year, confirmed with the district.
  • Your tax situation, reviewed by an adviser — California-source income can remain taxable after a move (Franchise Tax Board).
  • Qualifying new residents generally must obtain a Nevada driver’s license and vehicle registration within 30 days. Check the Nevada DMV’s requirements and exceptions for your circumstances.

The full step-by-step relocation checklist, from timeline to first-week setup, is in one place.

Open the relocation guide

ECONOMY & JOBS

What Drives the Economy Near Silver Oak?

Silver Oak residents commute to a Carson City economy anchored by Nevada state government, healthcare, retail, and a growing remote-worker base. According to the U.S. Bureau of Labor Statistics, the Reno-Sparks MSA — which encompasses Carson City's economic catchment — runs 3.9% unemployment (July 2026, BLS preliminary). State government is the largest single employer, with Carson Tahoe Health the leading private anchor.

$85KMedian household income (ZIP 89703)U.S. Census Bureau ACS 2020–2024
State CapitolNevada Legislature · Governor's Office · State Agencies10 min via Carson St
30 minTo Reno-Tahoe AirportVia US-395/I-580
20 minTo Carson Valley employersVia US-395 S

Top Carson City-Area Employers Within Commuting Distance

  • State of Nevada — Capitol ComplexNevada Legislature, Governor's Office, and dozens of state agencies headquartered in Carson City — ~10 min from Silver Oak
  • Carson Tahoe HealthNorthern Nevada's largest healthcare provider based in Carson City — major employer within 10-15 minutes of Silver Oak
  • Western Nevada CollegeCarson City's community college campus — education sector employer, ~10 minutes from Silver Oak
  • Carson City School DistrictThe capital's own K-12 school district, employing teachers, administrators, and support staff across Carson City
  • Nevada Department of Transportation (NDOT)Major state-government employer with Carson City headquarters — part of the Capitol complex commute corridor
  • Reno-Sparks Metro (Tesla, Switch, Renown)The broader Reno-Sparks tech and healthcare corridor is 30 minutes north via US-395/I-580 for Silver Oak residents willing to commute

Sources: U.S. Bureau of Labor Statistics, U.S. Census Bureau. Last updated June 2026.

COMMUNITY COMPARISON

How Does Silver Oak Compare to Lakeview Estates, West Side Historic District & Schulz Ranch?

Deciding between Carson City communities? The four-column table below compares Silver Oak ($650K median), Lakeview Estates ($600K), West Side Historic ($520K), and Schulz Ranch ($490K) across price, pace, lifestyle, and school district — using data from NREG’s MLS analysis, the U.S. Census, and BLS Reno-Sparks MSA.

Silver Oak vs Lakeview Estates vs West Side Historic vs Schulz Ranch · June 2026
MetricSilver OakLakeview EstatesWest Side HistoricSchulz Ranch
Median List Price~$650K~$600K~$520K~$490K
Price / Sq Ft~$295~$285~$265~$250
Days on Market45504035
Guard-GatedNoNoNoNo
Golf CourseOn-site (18-hole public)NoNoNo
Community CharacterGolf-Course · ViewsWooded · CanyonHistoric · WalkableMaster-Planned · Family
To State Capitol10 min12 min5 min12 min
To Lake Tahoe30 min28 min30 min32 min
Best ForGolfers · Retirees · CA buyersPrivacy · NatureWalkability · HistoryFamilies · New builds

Sources: NREG’s analysis of NNRMLS data, U.S. Census ACS. Last updated June 2026.

Cost of Ownership

What Will Silver Oak Cost You Each Month?

Build a property-specific budget using a lender quote, the parcel tax estimate, insurance quotes and association documents. The starting amounts below are editable illustrations, not current local rates or verified fees. Compare the result with your Loan Estimate, and budget separately for maintenance, utilities and closing costs.

Illustrative Payment Estimator

Estimate Your Silver Oak Payment

Home Price
$650,000
$650,000
$650,000
Down Payment
20% / $130,000
20% / $130,000
20% / $130,000
Interest Rate
7.0%
7.0%
7.0%
Term Years
30
30
30
Annual Property Tax Assumption
$3,900
$3,900
$3,900
Annual Insurance Assumption
$1,800
$1,800
$1,800
Monthly HOA Assumption
$200
$200
$200
Annual PMI Rate Assumption
0.50%
0.50%
0.50%
$4,135
Illustrative Monthly Payment
  • Principal & Interest$3,460
  • Property Tax$325
  • Insurance$150
  • HOA$200
  • PMI$0
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Inputs are assumptions, not a loan offer, insurance quote or parcel tax calculation. This simplified fixed-rate example applies the selected PMI rate below 20% down; actual mortgage-insurance eligibility, cost and cancellation depend on the loan. Maintenance, utilities, closing costs and special assessments are additional. Review the CFPB housing budget guide and confirm amounts with the relevant providers.

COMMUTE & TRANSPORTATION

How Easy Is Getting Around from Silver Oak?

Carson Street and US-395 connect Silver Oak to the State Capitol, Carson Tahoe Health, and the I-580 ramp to Reno. Most residents drive — commutes average under 15 minutes to Carson City employment centers per U.S. Census ACS data — and the US-50 west corridor puts Lake Tahoe 30 minutes from the neighborhood.

Drive Times from Silver Oak

  • ~10 minDowntown Carson City / State CapitolCarson St south to downtown
  • ~12 minCarson Tahoe HealthCarson St to Fleischmann Way
  • ~30 minLake Tahoe East Shore (Spooner)US-50 West
  • ~30 minReno (city center)US-395 / I-580 N
  • ~35 minReno-Tahoe International AirportUS-395 / I-580 N
  • ~20 minMinden / GardnervilleUS-395 S
  • ~50 minSouth Lake Tahoe (Heavenly)US-50 W through Stateline
  • ~55 minTahoe-Reno Industrial CenterUS-395 / I-580 / I-80 E

Transportation Options

  • Driving

    The default for Silver Oak. Carson Street runs directly from the community to downtown, and US-395/I-580 is the fast route north to Reno. US-50 west from Carson City is the quickest path to Lake Tahoe — no mountain-pass alternatives required for East Shore access.

  • Citifare Transit (Carson City)

    Carson City's Citifare bus system serves major corridors including downtown, Carson Tahoe Health, and Western Nevada College. Coverage in northwest residential areas is limited — Silver Oak is a car-dependent community for most errands.

  • Cycling & Walking

    The Silver Oak Golf Course creates a walkable in-community loop. Carson City's developing trail network connects some northwest neighborhoods; the terrain is gentle compared to South Reno foothill communities.

  • Air Travel

    Reno-Tahoe International Airport is 30–35 minutes from Silver Oak via US-395/I-580 — a practical commute for frequent fliers, though longer than for South Reno addresses closer to the airport.

Drive times are typical off-peak estimates for the route named; check live traffic before you rely on one.

Quick Answer

How long does it take to close on a home in Silver Oak?

Most Silver Oak purchases close in 30–45 days; cash offers can close in 7–14 days. Conventional financing in the $500K–$700K range processes in 30–40 days from accepted offer to keys. Jumbo financing above $832,750 takes the full 45 days. Carson City closes through Nevada escrow companies — budget 30–45 days from acceptance to funding.

Quick Answer

What credit score do you need to buy in Silver Oak?

Most Silver Oak purchases fall within conventional loan limits and require a minimum 620 credit score for standard financing, though rates improve significantly at 740+. Homes above $832,750 need jumbo financing — most lenders want 700+ with 20% down and 12 months of cash reserves. A score above 760 typically gets the best jumbo rate tier; on a $850,000 Silver Oak home at 7%, the difference between a 700 and 760 score can save $200–$350 per month. Get pre-approved by a lender with Northern Nevada experience before your first showing.

Silver Oak FAQ — 18 Answers

What Do Silver Oak Buyers Most Frequently Ask?

Most Asked

What is the median home price in Silver Oak?

Silver Oak homes are priced from the mid-$500,000s into the $900,000s and above for larger fairway-fronting properties, per Northern Nevada Regional MLS data for ZIP 89703. The current median list price in this ZIP runs near $737,000 according to NREG’s analysis of NNRMLS data. Homes that border or overlook the Silver Oak Golf Course fairways consistently command a premium over interior lots of similar square footage.

What makes Silver Oak different from other Carson City communities?

Silver Oak is Carson City's premier golf-course community, built around the 18-hole Silver Oak Golf Course in the Sierra Nevada foothills of northwest Carson City. Unlike standard Carson City subdivisions, most Silver Oak homes border or overlook the fairways, and the surrounding terrain delivers mountain and valley views that non-golf communities cannot replicate. The combination of a public golf course with an event center, Sierra foothill setting, and capital-city convenience sets it apart from every other Carson City neighborhood.

Is Silver Oak a gated community?

No — Silver Oak is not a guard-gated community. It is an open golf-course neighborhood in northwest Carson City, accessible without staffed entry gates. Buyers seeking 24-hour guard-gated security should look at gated enclaves in the broader Northern Nevada market. Nevada Real Estate Group agents can confirm access specifics for any Silver Oak street or parcel before scheduling a showing.

What are HOA fees like in Silver Oak?

Silver Oak's HOA structure is still being fully documented as the community record is expanded. Contact Nevada Real Estate Group at (775) 277-2120 for the most current dues figures. In any golf-course community transaction, confirm the exact monthly HOA dues, any sub-association fees, transfer costs, and any outstanding special-assessment balance with the seller during escrow before writing an offer.

Who built the homes in Silver Oak?

Silver Oak was developed by multiple builders over time, producing a mix of one- and two-story single-family floor plans across a range of lot sizes. This multi-builder origin means homes vary considerably in age, finishes, and layout — a factor buyers should weigh during their search. Our agents track the resale history of individual streets within Silver Oak to help buyers identify value within the community.

What schools serve Silver Oak?

Silver Oak is served by the Carson City School District — Nevada's state capital has its own independent school district, separate from the Washoe County School District. Specific elementary, middle, and high school assignments depend on the address; confirm current zoning for any parcel with the Carson City School District or the Carson City Assessor before purchasing. GreatSchools publishes ratings for Carson City campuses at greatschools.org.

How far is Silver Oak from downtown Carson City?

Silver Oak is roughly 10 minutes from downtown Carson City and the State Capitol via Carson Street — a straight, easy commute. Reno is approximately 30 minutes north via US-395 and I-580, and Lake Tahoe's East Shore at Spooner Junction is about 30 minutes west on US-50. Minden and Gardnerville in the Carson Valley are roughly 20 minutes south on US-395.

Does Silver Oak have parks or trails?

The Silver Oak Golf Course itself is the community's central outdoor amenity — a public 18-hole layout with practice facilities and an on-site event center woven through the neighborhood. Carson City's parks system also provides access to nearby open space and trail networks. US-50 west puts residents within 30 minutes of Lake Tahoe's beaches, marinas, and hiking at Cave Rock and Skunk Harbor.

What are property taxes like in Silver Oak?

Property taxes in Silver Oak fall under Carson City's own municipal structure. Nevada's effective property-tax rate runs roughly 0.5–0.7% of market value, and the state caps annual increases on a primary residence at 3% under Nevada Revised Statutes 361.4723 once the owner claims it (homes that are not owner-occupied get a cap of up to 8%). On a $700,000 Silver Oak home, the annual tax bill typically runs approximately $3,500–$4,900 per Carson City Assessor data — a modest carrying cost relative to California comparable markets. Nevada also levies no state income tax.

How competitive is the Silver Oak real estate market?

Golf-course homes in Silver Oak move at a measured pace — well-priced listings in the $500K–$700K range typically go pending in 63 to 55 days per NNRMLS data for ZIP 89703, while fairway-fronting properties above $800K take two to three months as the qualified buyer pool narrows. Carson City overall carries lower inventory than the Reno-Sparks market, so new Silver Oak listings attract immediate attention from both local buyers and Northern Nevada relocators.

What types of homes are in Silver Oak?

Silver Oak is primarily single-family homes built by multiple builders across different phases, producing a mix of one- and two-story floor plans on varied lot sizes. Many homes overlook the golf course fairways; others sit on interior lots with mountain backdrop views. The range of builders and build years means architectural styles and floor plan layouts differ notably from home to home — buyers benefit from working with an agent familiar with which streets and phases offer the strongest value.

Is Silver Oak a good investment?

Golf-course communities in Northern Nevada have historically held value well, supported by constrained supply and the lifestyle premium the course provides. ZIP 89703 in northwest Carson City sits at the desirable intersection of state-capital convenience and Sierra foothill scenery. Nevada's zero state income tax and the 3% property-tax cap under NRS 361.4723 provide favorable long-run carrying math. According to Nevada State Demographer projections, the Carson City area is expected to see continued growth through 2030, supporting steady demand for premium neighborhoods like Silver Oak.

How does Silver Oak compare to other Carson City neighborhoods?

Silver Oak is Carson City's standout golf-course community — the only major neighborhood in the capital built around a full 18-hole public course with mountain views. Lakeview Estates on the north edge offers wooded canyon character near Washoe Lake; the West Side Historic District is Carson City's only residential historic zone near the Capitol. Silver Oak commands a lifestyle premium over standard Carson City subdivisions that no other neighborhood in the 89703 ZIP replicates.

What is the rental market like in Silver Oak?

Single-family rentals in northwest Carson City's golf-course tier typically run $2,200–$3,500 per month for Silver Oak-caliber homes per NREG’s analysis of NNRMLS data regional rental tracking, driven by state-government professionals, Carson City employers, and remote workers who value the Sierra foothill setting. Carson City's rental market is tighter than Reno-Sparks, which supports rents and occupancy for buy-and-hold investors seeking Northern Nevada exposure below Reno pricing.

What should I know before buying in Silver Oak?

Before buying in Silver Oak, confirm HOA dues and sub-association structure in escrow, and budget for a thorough inspection covering the home's specific construction, site drainage, and any fairway-adjacent considerations. Homes on the golf course perimeter may carry different insurance considerations than interior lots. Most Carson City transactions close through Nevada escrow companies in 30–45 days. Work with an agent who tracks northwest Carson City pricing weekly — median prices near $737,000 in ZIP 89703 mean a few negotiated percentage points on a $700,000 home represents real savings.

What is the minimum down payment to buy a home in Silver Oak?

Most Silver Oak purchases in the $500K–$700K range fall below the 2026 Carson City conforming loan limit and can use conventional financing at 3–5% down for qualified buyers, or VA at 0% for eligible veterans. Homes priced above $832,750 require jumbo financing, which typically wants 20% down and a 700+ credit score. On a $650,000 Silver Oak home, conventional at 5% means $32,500 down. Budget an additional 2–3% in closing costs on top of the down payment.

How does buying a golf-course home in Silver Oak differ from a standard subdivision?

Golf-course homes require additional due diligence: confirm whether any easements or maintenance rights apply to fairway-adjacent lots, review HOA rules on golf-course landscaping at property boundaries, and inspect for irrigation or drainage patterns from the course. On the upside, fairway-fronting lots carry a sustained premium over interior lots and tend to hold value well because no neighbor can block the view by building in front of you. An agent who has closed multiple Silver Oak transactions knows which lots carry the strongest premiums and resale histories.

Can Nevada Real Estate Group help me sell a home in Silver Oak?

Yes — Nevada Real Estate Group lists and sells across all Carson City communities, including Silver Oak, and our agents prepare a custom comparative market analysis using NNRMLS closed data specific to golf-course homes in ZIP 89703. We have the buyer network to reach qualified Northern Nevada purchasers and California relocators who consistently target Carson City for its tax advantages and Sierra setting. Call (775) 277-2120 or submit the form below for a no-obligation consultation.

Updated October 2026

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PEOPLE ALSO ASK

What Else Do People Ask About Silver Oak?

These are the eight queries Silver Oak buyers type into search engines — answered with data from the U.S. Census Bureau, NREG’s analysis of NNRMLS data, NNRMLS, and Carson City Assessor records. Each answer delivers ZIP 89703 specifics buyers need when comparing Silver Oak to Lakeview Estates, Schulz Ranch, and the West Side Historic District.

Is Silver Oak a good neighborhood?

Yes — Silver Oak is Carson City's premier golf-course community, offering Sierra Nevada foothill views, a public 18-hole course accessible from home, and 10 minutes to the State Capitol. It consistently attracts golfers, retirees, state-government professionals, and California relocators seeking Nevada's tax advantages without fully committing to Reno-area pricing.

What ZIP code is Silver Oak in?

Silver Oak is in ZIP code 89703, which covers northwest Carson City. This ZIP carries the highest median list prices of any Carson City ZIP per Northern Nevada Regional MLS data, anchored by Silver Oak's golf-course premium homes and the broader foothill residential tier.

Are there new homes for sale in Silver Oak?

Silver Oak was built by multiple builders across several development phases and is largely a resale market now. Buyers seeking brand-new construction in Carson City should look at active phases in Schulz Ranch or inquire with our agents about any remaining new-build opportunities in northwest Carson City. Contact Nevada Real Estate Group at (775) 277-2120 for current availability.

What is Silver Oak like at night?

Quiet and dark-sky friendly — the golf-course setting and northwest Carson City foothill location limit through-traffic naturally. The fairways go quiet after sunset, and the Sierra Nevada backdrop provides a calm, suburban evening atmosphere that appeals strongly to retirees and families moving from denser urban markets.

How do I search for homes in Silver Oak?

Use our live NNRMLS search filtered to Carson City ZIP 89703 or contact our Northern Nevada team at (775) 277-2120. With a limited number of active listings at any time, working with an agent who tracks new Silver Oak entries daily — and can access off-market opportunities — is the most effective way to compete for desirable fairway-fronting properties.

Does Silver Oak have a community pool?

Silver Oak is a golf-course community focused on the 18-hole Silver Oak Golf Course as its central amenity rather than a resort pool complex. Buyers seeking a neighborhood pool alongside golf should inquire about specific sub-phases or consider Carson City's public aquatic facilities nearby. Contact our team for the most current amenity details on any specific Silver Oak listing.

What are roads like in Silver Oak in winter?

Northwest Carson City sits at a lower elevation than the South Reno foothill tier and generally receives less snow than communities near Mt. Rose or higher Sierra elevations. Roads in Silver Oak and surrounding streets are maintained by Carson City Public Works. Occasional winter storms do occur, and US-50 west to Lake Tahoe can require chains or AWD during major storm events.

Is Silver Oak close to shopping?

Yes — the Carson Street corridor with major grocery, retail, and dining is about 10 minutes from Silver Oak. Costco, Home Depot, and national retail are within a 15-minute drive. Reno's broader retail and restaurant scene is 30 minutes north via US-395/I-580, and South Lake Tahoe's tourist-oriented retail and dining is 50 minutes west on US-50.

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NEARBY COMMUNITIES

Which Communities Are Near Silver Oak?

Compare Silver Oak with neighboring Carson City communities and the broader Northern Nevada market. Each card pairs the drive time from Silver Oak with community price positioning — Lakeview Estates at $600K, West Side Historic at $520K, Schulz Ranch at $490K — so you can judge whether a different Carson City neighborhood better fits your lifestyle.

12 MIN

Lakeview Estates

$600K

12 min from Silver Oak

View Lakeview Estates →

10 MIN

West Side Historic District

$520K

10 min from Silver Oak

View West Side Historic District →

8 MIN

Schulz Ranch

$490K

8 min from Silver Oak

View Schulz Ranch →

10 MIN

Carson City (city hub)

$480K

10 min to downtown

View Carson City (city hub) →

30 MIN

Reno (city hub)

$575K

30 min to Downtown

View Reno (city hub) →

30 MIN

Lake Tahoe (East Shore)

N/A

30 min via US-50

View Lake Tahoe (East Shore) →

A–Z INDEX

Which Carson City Neighborhoods Can You Explore A–Z?

Key neighborhoods and communities in Carson City and the surrounding Northern Nevada corridor, spanning price ranges from the low $400,000s in standard Carson City subdivisions to $900,000s+ in Silver Oak. Every linked entry opens a dedicated community page with current NNRMLS listings, price ranges, school district details, and what daily life looks like in each neighborhood.

C

D

F

  • Fernley (Lyon County)

I

  • Incline Village (Lake Tahoe)

L

Sources & Methodology

Where Does This Silver Oak Data Come From?

Every statistic on this page is sourced from a primary or government dataset and refreshed monthly — NREG’s MLS analysis and NNRMLS for price and DOM, U.S. Census Bureau for demographics, Carson City Assessor for tax and lot data, and GreatSchools for school ratings. Follow any link below to verify a figure or pull deeper detail.

  1. NREG analysis of NNRMLS data — Median sold price, days on market, list-to-sold ratio, and monthly MLS statistics for ZIP 89703 and the broader Northern Nevada market. NREG market report
  2. Northern Nevada Regional MLS (NNRMLS) — Active listings, inventory counts, price-per-square-foot, and neighborhood data for Carson City and northwest ZIP 89703. nnrmls.com
  3. U.S. Census Bureau — Population, demographics, household income, age distribution, and education attainment for Carson City / ZIP 89703 (ACS). data.census.gov
  4. U.S. Census Bureau — Population estimates and change since 2020 for Carson City (QuickFacts). census.gov
  5. U.S. Bureau of Labor Statistics — Reno-Sparks MSA unemployment rate, employment by sector, and wage data covering the Carson City employment catchment. bls.gov/reno-sparks
  6. Carson City Assessor — Property tax rates, assessed values, lot data, and parcel records for ZIP 89703. tax.nv.gov
  7. Carson City School District — School boundary maps, enrollment data, and assignment verification for Silver Oak addresses in ZIP 89703. carson.k12.nv.us
  8. GreatSchools.org — K-12 school ratings, test scores, and student-teacher ratios for Carson City campuses including Carson High and Eagle Valley Middle. greatschools.org
  9. Nevada Report Card — Official Nevada DOE school performance data for Carson City School District campuses. nevadareportcard.nv.gov
  10. Freddie Mac PMMS — Weekly mortgage rate survey used in the monthly payment calculator. freddiemac.com/pmms
  11. Nevada Revised Statutes — NRS 361.4723 — The 3% annual property-tax cap on primary residences cited throughout this page. leg.state.nv.us/nrs

Methodology: Listing counts, prices and days on market are NREG's analysis of Northern Nevada Regional MLS data received through the Repliers feed; this page refreshes them about once a day, and each market figure carries its date or window. Census and BLS figures are the published vintage named beside them and change only when the agency releases new estimates. Confirm details for a specific home with its listing and the responsible agency.

Updated: October 2026 · Next update: November 15

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