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2038 Terry Road, Santa Rosa, CA, 95403

4beds
4baths
1,728sqft
$750,000
$434price/sqft
$4,863/moest. monthly cost
$194,520/yrincome needed

About This Home

Solid income producing duplex in a convenient Santa Rosa location. Both units offer 2 bedrooms and 1.5 baths with private yards and attached one car garages. Unit 2040 has been updated with a remodeled full bath and newer flooring, while Unit 2038 features long term tenants providing stable rental income. Both units are in good condition, making this an excellent opportunity for investors or owner occupants looking to live in one and rent the other.

Getting Around

65
WalkingSomewhat Walkable
38
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

2/10
4/10
Piner High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1988

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • Partial bathrooms: 2

Features

  • Unit 1 - Beds: 0,Baths: 0,Square Footage: 1728 | Unit 2 - Beds: 4,Baths: 4,Square Footage: 1728 | Unit 3 - Beds: 0,Baths: 0,Square Footage: 1728 | Unit 4 - Beds: 0,Baths: 0,Square Footage: 1728
  • Flooring: Linoleum

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total structure area: 1,728
  • Total interior livable area: 1,728 sqft

Property

Details

  • Parcel number: 148100040000
  • Special condition: Offer As Is

Features

  • Levels: One

Lot

  • Lot size: 6,599 sqft
  • Features: None

Parking

  • Total spaces: 4
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2

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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $3,792$45,504
Home Insurance *$182$2,184
Property Taxes $491$5,892
Electricity $398$4,786
Total$4,863$58,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,731/yr
40% on housing$145,890/yr
45% on housing$129,680/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

$434This listing

vs Other Active Listings

Avg $/sqft

ZIP 95403$395
Sonoma County$599

vs Homes Sold Last Month

Median $/sqft

ZIP 95403$447
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
2026-04-02Listed for sale$750,000
2010-09-24Sold$349,000
2002-06-05Sold$315,000

For Sale by Agent

AgentMichael C Williams
BrokerageExcellerate Real Estate

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