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1017 Charter Oak Avenue, Saint Helena, CA, 94574

2beds
2baths
1,317sqft
$1,250,000
$949price/sqft
$8,219/moest. monthly cost
$328,760/yrincome needed

About This Home

Renovated 1880 home. Door and door knocker are original. Architecture of time period remains the same. This home has been carefully renovated, preserving entry parlor. Fantastic wine celler or small basement. Modern addition of central heat/air, and tankless water heater. One could add thier own touches, possible ADU addition, check with the City of St. Helena. Back yard is ample, and includes original artist studio, or storage area. Beautiful large backyard deck. Easy walk to many ameneties; The olive oil factory, Gotts, Charter oak restaurant. Quiet and loved neighborhood.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
88
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1880

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Formal Entry

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,317
  • Total interior livable area: 1,317 sqft

Kitchen

  • Features: Breakfast Area,Marble Counter

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 009112004000
  • Special condition: Trust

Features

  • Stories: 1

Lot

  • Lot size: 7,527 sqft
  • Features: Other

Parking

  • Total spaces: 4
  • Parking features: Enclosed,RV Possible,Open,Uncovered Parking Spaces 2+
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High

How This Home’s Risks Compare

Inland Flooding
Drought
Earthquake

FEMA Declared Disasters in Napa 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 $6,320$75,840
Home Insurance *$306$3,672
Property Taxes $1,195$14,340
Electricity $398$4,786
Total$8,219$98,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$281,794/yr
40% on housing$246,570/yr
45% on housing$219,173/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$949This listing

vs Other Active Listings

Avg $/sqft

ZIP 94574$1,445
Napa County$791

vs Homes Sold Last Month

Median $/sqft

ZIP 94574$804
Napa County$522

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$1,250,000
2026-04-20Price change$1,275,000
2026-03-12Price change$1,300,000
2026-03-04Price change$1,375,000
2026-01-07Listed for sale$1,425,000
2025-12-06Listing removed$1,250,000
2025-11-05Price change$1,250,000
2025-08-06Price change$1,475,000
2025-08-03Price change$1,500,000
2025-07-20Price change$1,525,000
2025-07-11Price change$1,578,000
2025-06-24Price change$1,600,000
2025-06-19Listed for sale$1,675,000

Pre-Foreclosure - For Sale by Agent

AgentMara T Pilotti
BrokerageUBS Realty Advisors

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