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11640 Dry Creek Rd, Middletown, CA, 95461

--beds
0baths
750sqft
$399,000
$532price/sqft
$3,229/moest. monthly cost
$129,160/yrincome needed

About This Home

Approximately 42 acres in the Western Dry Creek Valley offering privacy, natural beauty, and a unique agricultural setting. The property includes an agricultural building with an apartment, two ponds, Dry Creek frontage, and adjacency to BLM land. Prior listing information reported five permitted and engineered greenhouses of along with water storage. The property has not been actively maintained in recent years and offers an opportunity for a buyer to restore and improve it to suit their intended use. Seller acquired the property through foreclosure and has limited knowledge regarding the condition, permits, systems, improvements, water sources, or prior uses. Buyer to independently investigate and verify all information, including acreage, structures, permits, greenhouse improvements, water storage, well, septic, access, zoning, and allowable uses. Additional APN 013-052-120-000 is included in the sale. Seller financing may be available with solid down payment for an investor.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Middletown Middle SchoolGrades 6-84.5 mi
8/10
Middletown High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2005

Type & Style

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

Interior

Appliances

  • Laundry features: None

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: Other,None

Interior Area

  • Total structure area: 0
  • Total interior livable area: 750 sqft

Property

Details

  • Parcel number: 013052021000
  • Special condition: Other,Real Estate Owned

Features

  • Levels: One
  • Stories: 1
  • Waterfront features: Pond

Lot

  • Lot size: 37.77 Acres
  • Features: Other

Parking

  • Parking features: Other

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 $2,017$24,204
Home Insurance *$406$4,872
Property Taxes $408$4,896
Electricity $398$4,786
Total$3,229$38,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,708/yr
40% on housing$96,870/yr
45% on housing$86,106/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

$532This listing

vs Other Active Listings

Avg $/sqft

ZIP 95461$192
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
2025-11-29Listing removed$350,000
2025-06-12Price change$350,000
2025-03-02Listed for sale$395,000

Unknown Listed By

AgentCraig Cox
Brokerage3C Cox Capital

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