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517 N Jefferson Street, Cloverdale, CA, 95425

3beds
1baths
1,064sqft
$540,000
$508price/sqft
$3,704/moest. monthly cost
$148,160/yrincome needed

About This Home

Come and enjoy this cozy three-bedroom cottage with views of the east hills from the front deck. Inside, you'll find vaulted ceilings, crown molding, and an inviting floor plan. The kitchen features a gas range and opens to the dining area, for easy entertaining while you cook. The updated bathroom includes a new shower/tub surround, while recent improvements include all new windows, light fixtures, a new sliding glass door, fresh interior paint, and some new siding and fencing. An interior laundry closet with washer and dryer adds convenience. The attached two car garage offers abundant storage and a workbench for hobbies or projects. Outside, the level-to-slopping backyard features concrete retaining walls and a covered patio. Conveniently located near Cloverdale High School and just minutes from downtown Cloverdale, easy access to Main Streets charming shops, restaurants, local wineries, community events and small-town atmosphere.

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

2/10
2/10
Washington SchoolGrades 5-80.7 mi
4/10
Cloverdale High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter
  • Roof: Tile
  • Construction materials: Wood,Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Free-Standing Gas Oven,Free-Standing Gas Range,Microwave,Dryer,Washer
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Family Combo

Features

  • Cathedral Ceiling(s)
  • Window features: Dual Pane Partial
  • Flooring: Carpet,Tile,Other

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,064
  • Total interior livable area: 1,064 sqft

Kitchen

  • Features: Kitchen/Family Combo,Laminate Counters
  • Level: Main

Living Room

  • Features: Cathedral/Vaulted,Deck Attached
  • Level: Main

Master Bathroom

  • Features: Tub w/Shower Over

Master Bedroom

  • Features: Closet
  • Level: Main

Property

Details

  • Parcel number: 001021051000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 4,656 sqft
  • Features: Street Lights,Other,Sidewalk/Curb/Gutter

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Front,Guest,Open,Gentle Up,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Sonoma County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,730$32,760
Home Insurance *$180$2,160
Property Taxes $396$4,752
Electricity $398$4,786
Total$3,704$44,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,994/yr
40% on housing$111,120/yr
45% on housing$98,773/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$508This listing

vs Other Active Listings

Avg $/sqft

ZIP 95425$731
Sonoma County$599

vs Homes Sold Last Month

Median $/sqft

ZIP 95425$400
Sonoma County$504

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-09Listed for sale$540,000
2000-09-14Sold$206,000
1999-05-14Sold$159,000
1996-08-30Sold$113,000
1996-01-04Sold$117,276

For Sale by Agent

AgentLou Enge
BrokerageNavigate Real Estate

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