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471 Hilltop Dr, Rio Dell, CA, 95562

4beds
2baths
1,570sqft
$269,000
$171price/sqft
$2,209/moest. monthly cost
$88,360/yrincome needed

About This Home

NEW LIST PRICE, DON'T MISS OUT!! Great potential to either add to your rental portfolio or make this a great family home. This property features 2 metal out buildings. One detached single car garage, and a large detached building great for use as a shop or to store your toys. The roof is brand new making this a great start of the project. Almost 1/4 acre lot has room for a great garden. Owner Occupied offers will be prioritized, HUD's First Look Period applies for the first 30 days.This is a great property for FHA 203(k) Loans, Conventional Renovation/Rehab Loans, and cash.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

2/10
Monument Middle SchoolGrades 6-80.5 mi
7/10
Fortuna Union High SchoolGrades 9-127.4 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Pillar/Post/Pier

Type & Style

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

Interior

Appliances

  • Laundry features: Dryer Hookup,Inside,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Flooring: Vinyl,Wood

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,570
  • Total interior livable area: 1,570 sqft

Property

Details

  • Parcel number: 053011027000
  • Zoning: No

Features

  • Fencing: Full

Lot

  • Lot size: 10,018 sqft
  • Features: Flat
  • Lot size dimensions: irregular

Parking

  • Total spaces: 1
  • Parking features: Other
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Humboldt 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 $1,360$16,320
Home Insurance *$121$1,452
Property Taxes $330$3,960
Electricity $398$4,786
Total$2,209$26,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,737/yr
40% on housing$66,270/yr
45% on housing$58,906/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 95562$249
Humboldt County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 95562$251
Humboldt County$274

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
2026-08-11Price change$255,000
2026-05-21Listed for sale$269,000
2025-09-23Sold$175,000

For Sale by Agent

AgentRobin Ronay
BrokerageRE/MAX Humboldt Realty

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