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31604 Mccray Road, Cloverdale, CA, 95425

3beds
2baths
1,325sqft
$549,900
$415price/sqft
$3,777/moest. monthly cost
$151,080/yrincome needed

About This Home

Welcome to Cloverdale, the Northern gateway to Sonoma County Wine Country. Located near the end of Mccray Road, this updated home sits on an approximately 8,000 sq. ft. lot just a short walk to the Russian River and Cloverdale River Park. The spacious kitchen has been refreshed with shaker-style cabinets, quartz countertops, and stainless-steel appliances. The living room features a wood-burning fireplace, and the open layout connects the kitchen & living room, making it easy to cook, chat, & stay connected with family or guests. A slider door in the primary bedroom opens to the backyard, where mature trees provide shade and room to relax. Some improvements include fresh interior and exterior paint, LVP flooring in the living room and kitchen, new carpet in the bedrooms, and some updated LED lighting. The property also has an attached carport and plenty of parking. Historic downtown Cloverdale offers local shops, restaurants, art galleries, and community events throughout the year. Enjoy nearby wineries, kayaking, paddleboarding, hiking, fishing, and the Russian River just minutes away. Experience the convenience of being close to town as well as the easy access to the natural beauty and recreational opportunities that make Cloverdale such a special place to call home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

2/10
2/10
Washington SchoolGrades 5-81.4 mi
4/10
Cloverdale High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1967

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Gas Oven,Free-Standing Gas Range,Gas Water Heater,Microwave,Tankless Water Heater
  • Laundry features: Cabinets,Hookups Only,In Kitchen,Laundry Closet

Basement

  • Basement: None

Bathroom

  • Features: Shower Stall(s),Tile,Tub,Window,Other
  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Dual Pane Partial
  • Flooring: Carpet,Luxury Vinyl Plank,Tile,Other
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 1,325
  • Total interior livable area: 1,325 sqft

Kitchen

  • Features: Quartz Counter,Space in Kitchen
  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Features: Closet

Property

Details

  • Parcel number: 115150014000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Chain Link,Wood

Lot

  • Lot size: 8,001 sqft
  • Features: Dead End,Landscape Misc

Parking

  • Total spaces: 4
  • Parking features: Attached,Covered
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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 $2,780$33,360
Home Insurance *$183$2,196
Property Taxes $416$4,992
Electricity $398$4,786
Total$3,777$45,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,497/yr
40% on housing$113,310/yr
45% on housing$100,720/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

$415This listing

vs Other Active Listings

Avg $/sqft

ZIP 95425$730
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
2026-08-03Price change$549,900
2026-07-10Listed for sale$579,900

For Sale by Agent

AgentMark R Miller
BrokerageCentury 21 Epic

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