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109 Rose Lane, Saint Helena, CA, 94574

2beds
2baths
1,849sqft
$870,000
$471price/sqft
$5,771/moest. monthly cost
$230,840/yrincome needed

About This Home

Tucked away in a serene St. Helena setting, this inviting residence blends timeless charm with comfortable elegance. A welcoming wraparound porch sets the tone for relaxed wine country living, while soaring ceilings create a dramatic sense of space upon entering the great room. Anchored by a striking fireplace, the expansive living area serves as the heart of the home, ideal for both everyday living and entertaining. The thoughtfully designed kitchen features a generous center island, granite countertops, and updated cabinetry, offering both style and functionality for the culinary enthusiast. A short hallway leads to two well-appointed bedrooms, including an impressive primary suite with a spacious sitting area, walk-in closet, and a tranquil retreat-like atmosphere. Just off the dining area, a versatile room provides the perfect space for a home office, library, or creative studio. Completing the property is an attached two-car garage and additional driveway parking for guests. Conveniently located just minutes from downtown St. Helena, enjoy easy access to renowned restaurants, boutique shopping, wineries, and the exceptional lifestyle that defines Napa Valley living.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2017

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Free-Standing Refrigerator
  • Laundry features: Electric,Hookups Only

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Cathedral Ceiling(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,849
  • Total interior livable area: 1,849 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 021240016000
  • Special condition: Offer As Is

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Covered,Front Porch
  • Has spa: Yes
  • Spa features: Private
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 0.40 Acres
  • Features: Auto Sprinkler F&R,Landscaped,Landscape Front,Private

Parking

  • Total spaces: 2
  • Parking features: Attached,Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High

How This Home’s Risks Compare

Inland Flooding
Wildfire
Drought
Earthquake
Landslide

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 $4,399$52,788
Home Insurance *$213$2,556
Property Taxes $761$9,132
Electricity $398$4,786
Total$5,771$69,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,862/yr
40% on housing$173,130/yr
45% on housing$153,893/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

$471This listing

vs Other Active Listings

Avg $/sqft

ZIP 94574$1,450
Napa County$792

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)

Price History

DateEventPrice
2026-07-16Price change$870,000
2026-06-08Listed for sale$929,000
2024-06-07Listing removed--
2024-06-05Sold$865,000
2024-05-10Pending sale$855,000
2024-04-09Price change$3,500
2024-03-21Listed for rent$3,700
2024-03-16Price change$855,000
2024-03-07Price change$880,000
2024-02-21Listed for sale$895,000
2024-01-01Listing removed$895,000
2023-12-21Price change$895,000
2023-11-14Price change$925,000
2023-10-31Price change$950,000
2023-10-05Price change$990,000
2023-09-09Price change$1,000,000
2023-09-02Price change$1,050,000
2023-07-25Price change$1,100,000
2023-06-14Price change$1,150,000
2023-05-20Listed for sale$1,200,000

For Sale by Agent

AgentJeff Veness
BrokerageVintage Sotheby's Internationa

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