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20523 Palmer Avenue, Sonoma, CA, 95476

2beds
3baths
1,772sqft
$1,425,000
$804price/sqft
$8,929/moest. monthly cost
$357,160/yrincome needed

About This Home

This beautifully updated 1,772 sq-ft. home offers 2 bedrooms and 2.5 bathrooms on a quiet dead-end street just outside historic Sonoma. Tucked away for privacy yet conveniently close to local amenities. This property combines great location with thoughtful upgrades, on a nearly half acre lot. The heart of the home is the updated kitchen. Featuring granite countertops and peninsula, a gas cook-top with built-in oven, microwave, and stained glass cabinetry. There is a skylight, tiled backsplash, crown molding, and ample storage. The formal dining room includes a built-in credenza with a warming drawer. The French doors provide light and lead to a private deck that has a gas barbecue and fire pit table. All making this a great social space. A wood-burning brick fireplace anchors the living room. Adjacent is a central refinished restroom with a bathtub. The primary bedroom has vaulted ceilings and a spacious walk-in closet that doubles as a home office. The thoughtfully renovated en-suite includes heated floors, a towel warmer, Toto heated seat, modern finishes, and a beautifully tiled walk-in shower with dual shower heads and a seating bench. Modern systems add comfort and efficiency: solar panels, water softener and reverse osmosis systems, an attic fan, 200-amp electrical panel (generator-ready), central HVAC, double-pane windows, and security cameras. A washer and dryer are included. The spacious backyard has a gazebo, and offers room to create a spectacular garden or explore building potential. Two separate garages on opposite ends of the home deliver three indoor parking spaces, plus generous exterior parking. The house's engineered drainage and low-maintenance landscaped front yard is approached by gravel, and connects to a driveway lined with mature trees, enhancing the sense of privacy and arrival. This home has an abundance of personalized features built for comfort and style, and is close to renowned restaurants, local cultural events, and is just minutes from the famous downtown Sonoma square.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
4/10
7/10
Sonoma Valley High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Gas Cooktop,Gas Plumbed,Range Hood,Warming Drawer
  • Laundry features: In Garage

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Other
  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Brick,Family Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,772
  • Total interior livable area: 1,772 sqft

Kitchen

  • Features: Breakfast Room,Marble Counter,Pantry Closet,Skylight(s)
  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Features: Bidet

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 128311072000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Deck
  • Exterior features: Fire Pit
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 0.43 Acres
  • Features: Dead End

Parking

  • Total spaces: 8
  • Parking features: Detached,Garage Door Opener,Guest,Gravel,Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High

How This Home’s Risks Compare

Inland Flooding
Earthquake

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 $7,205$86,460
Home Insurance *$370$4,440
Property Taxes $956$11,472
Electricity $398$4,786
Total$8,929$107,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$306,137/yr
40% on housing$267,870/yr
45% on housing$238,106/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

$804This listing

vs Other Active Listings

Avg $/sqft

ZIP 95476$697
Sonoma County$598

vs Homes Sold Last Month

Median $/sqft

ZIP 95476$593
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
2026-07-29Listed for sale$1,425,000
2014-04-04Sold$510,000

For Sale by Agent

AgentAaron Rosen
BrokerageAmo Realty

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