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540 S Cloverdale Boulevard, Cloverdale, CA, 95425

4beds
6baths
1,455sqft
$1,400,000
$962price/sqft
$8,909/moest. monthly cost
$356,360/yrincome needed

About This Home

Three (3) residences on one lot: Main House, Bungalow and Studio. This one-half acre property offers multiple turn-key residential and investment options: Option #1: Perfect for a family compound with a quintessential California indoor-outdoor lifestyle. Option #2: A unique investment opportunity with 3 residential incomes. Option #3: An owner-occupant seeking added rental income from rental units. The main Mid-Century house, remodeled in 2017 with permits, is a 2,720 square foot 2-story house with a full bedroom and bath on each floor. The main floor features an open kitchen, dining room and living room, and interior laundry room. The large front deck enhances the clean modern lines and feels like an extension of the home itself, a virtual living room. Floor-to-ceiling windows wrap the dining and living areas. The house sits beyond a private electric gate. The house has an attached 1000 square foot garage/studio with half bath that can house an RV. A separate building houses a studio apartment and a Bungalow. The Bungalow is 2-bedroom/2 bath, approximately 1200 square feet, fenced with its own yard. The 255 square foot Studio fronts on S. Cloverdale Boulevard, perfect as a studio apartment or home office. All units have their own access and parking. All currently-tenanted. Within city limits with city services.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

2/10
Washington SchoolGrades 5-80.5 mi
4/10
Cloverdale High SchoolGrades 9-121.1 mi
2/10

Construction

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • Partial bathrooms: 1

Features

  • Unit 1 - Beds: 0,Baths: 0,Square Footage: 2720 | Unit 2 - Beds: 4,Baths: 4,Square Footage: 2400 | Unit 3 - Beds: 0,Baths: 0,Square Footage: 2720 | Unit 4 - Beds: 0,Baths: 0,Square Footage: 2720

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total structure area: 1,455
  • Total interior livable area: 1,455 sqft

Property

Details

  • Parcel number: 001310014000
  • Special condition: Standard

Lot

  • Lot size: 0.61 Acres
  • Features: Shape Regular

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage,Off Street
  • Has garage: Yes
  • Attached garage spaces: 3

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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
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 $7,079$84,948
Home Insurance *$466$5,592
Property Taxes $966$11,592
Electricity $398$4,786
Total$8,909$106,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$305,451/yr
40% on housing$267,270/yr
45% on housing$237,573/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

$962This listing

vs Other Active Listings

Avg $/sqft

ZIP 95425$709
Sonoma County$598

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
2025-09-22Listed for sale$1,400,000
2021-08-17Sold$1,250,000
2021-08-13Pending sale$1,099,000
2021-07-20Contingent$1,099,000
2021-06-25Listed for sale$1,099,000
2020-12-14Listing removed$1,250,000
2020-10-04Listed for sale$1,250,000
2017-06-09Sold$465,000
2017-05-04Pending sale$510,000
2017-04-20Listed for sale$510,000
2017-02-01Listing removed$535,000
2016-11-10Price change$535,000
2016-10-13Listed for sale$545,000

For Sale by Agent

AgentElissa Morrash
BrokerageEngel & Volkers Healdsburg

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