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46 Wharf Circle, San Rafael, CA, 94903

2beds
1baths
932sqft
$489,900
$526price/sqft
$3,925/moest. monthly cost
$157,000/yrincome needed

About This Home

Located in Captains Cove, one of San Rafael's favorite communities! Enjoy this 2 bed/1 bath townhome which features tons of natural light along with an easy-living floor plan. Newly painted and carpeted.Beautiful luxury vinyl flooring throughout the property. Newly installed light and bath/shower fixtures complete the updates.Delight in your private gated patio where you can enjoy nature at its best. Features include covered parking,access to the freeway, and nearby hiking /biking trails. Take advantage of San Rafael's warm weather and take a dip in the community pool or enjoy a few rounds of golf or mini golf at McInnis Park Golf Center right down the road. This unit is priced to sell! Don't delay!

Getting Around

56
WalkingSomewhat Walkable
32
TransitSome Transit
38
BikeSomewhat Bikeable

Schools

10/10
9/10
Terra Linda High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Shingle

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Electric Oven,Free-Standing Refrigerator,Gas Water Heater,Range Hood,Microwave,Dryer,Washer
  • Laundry features: Cabinets,Inside Room

Basement

  • Basement: None

Bathroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Storage
  • Flooring: Carpet,Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 932
  • Total interior livable area: 932 sqft

Kitchen

  • Features: Breakfast Area,Kitchen/Family Combo,Space in Kitchen
  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Features: Tub w/Shower Over

Master Bedroom

  • Features: Closet
  • Level: Upper

Property

Details

  • Parcel number: 15535002
  • Attached to another structure: Yes
  • Special condition: Trust

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Patio
  • Fencing: Wood
  • Has view: Yes
  • View description: Garden/Greenbelt

Lot

  • Lot size: 483.52 sqft
  • Features: Greenbelt

Parking

  • Total spaces: 1
  • Parking features: Covered
  • Covered spaces: 1
  • 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Inland Flooding
Drought
Landslide
Wildfire

FEMA Declared Disasters in Marin County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
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 $2,477$29,724
Home Insurance *$84$1,008
Property Taxes $966$11,592
Electricity $398$4,786
Total$3,925$47,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,571/yr
40% on housing$117,750/yr
45% on housing$104,666/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: 9.0%
9.0%
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

$526This listing

vs Other Active Listings

Avg $/sqft

ZIP 94903$464
Marin County$774

vs Homes Sold Last Month

Median $/sqft

ZIP 94903$760
Marin County$805

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
2026-07-16Listed for sale$489,900

For Sale by Agent

AgentSteffie Finkelstein
BrokerageCorcoran Icon Properties

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