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20994 State Highway 175, Middletown, CA, 95461

4beds
2baths
1,957sqft
$395,000
$202price/sqft
$3,203/moest. monthly cost
$128,120/yrincome needed

About This Home

Fixer upper in Middletown. Great family home on almost an acre, just needs some TLC. 4 Bedroom 2 bath home. Almost 2,000 square feet of living with lots of room to grow. Spacious living room, large open kitchen, short walking distance to town. Home features a gas insert (fireplace), tile counters in the kitchen and a 23 x 23 shed with pasture and fencing & shelter for your animals. Property has 2 wells and 2 septic systems. House is nestled right up against St.Helena creek!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
Middletown Middle SchoolGrades 6-80.6 mi
8/10
Middletown High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Repairs Cosmetic
  • Year built: 1955

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Refrigerator
  • Laundry features: Inside

Bathroom

  • Features: Tub Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: Living Room,Propane
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Propane,Wall Furnace
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 1,957 sqft

Property

Details

  • Parcel number: 014104130000
  • Zoning: SR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Covered,Open,Patio,Porch
  • Spa features: None
  • Has view: Yes
  • View description: Hills,Mountain(s),Creek/Stream
  • Has water view: Yes
  • Water view: Creek/Stream
  • Horses can be raised: Yes

Lot

  • Lot size: 0.96 Acres
  • Features: 0-1 Unit/Acre,Horse Property,Level,Pasture

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
  • Wildfire
    WildfireVery High
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Avalanche
    AvalancheModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Drought
Earthquake
Landslide
Avalanche
Volcanic Activity

FEMA Declared Disasters in Lake County and California

Earthquake
Fire
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 $1,997$23,964
Home Insurance *$402$4,824
Property Taxes $385$4,620
Electricity $419$5,035
Total$3,203$38,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,817/yr
40% on housing$96,090/yr
45% on housing$85,413/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: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 95461$193
Lake County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 95461$239
Lake County$189

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
2026-07-22Price change$395,000
2026-07-01Price change$410,000
2026-06-20Price change$429,000
2026-05-29Listed for sale$449,000
2024-03-08Sold$434,000
2024-03-07Pending sale$449,000
2024-02-15Contingent$449,000
2024-01-06Listed for sale$449,000

For Sale by Agent

AgentCynthia Smith
BrokerageRE/MAX Gold Lake County

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