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9079 Middle Terrace, Monte Rio, CA, 95462

2beds
2baths
0sqft
$624,000
--price/sqft
$4,175/moest. monthly cost
$167,000/yrincome needed

About This Home

Perched on a hillside above the flood stage of the Russian River, with peek-a-boo views in the distance up the Dutchbill Creek watershed towards Occidental to the south, and the Bohemian Grove hill to the east, this dual-home property is the perfect investment opportunity in wine country, with two detached one-bedroom homes and built-in rental income potential. Originally used as summer cottages, they provide flexible living arrangements for owners and tenants year-round. With extensive tree and gardening work already completed, and potential for a large central grassy play area, they sit on a generous quarter-acre lot with a rare half-day of warm sunshine in the middle of the redwood forest of Monte Rio, historically known as Vacation Wonderland. Both small homes have fully permitted perimeter foundations and decks (~2015), as well as real oak hardwood floors and double-paned, antique bronze Milgard windows. The upper smaller home has a fully permitted bathroom addition (~ 2015) that includes a huge, glass walk-in shower and skylight - design details that give you an undeniably happy boost. Updates to both homes have centered on maintaining the rustic, simplistic lifestyle of life in the redwoods, while adding comfort and convenience with upgrades including a gas range, oven hoods, a sleek, slim stainless steel fridge, a private parking space ample enough to fit two small cars providing everyday ease and subtle landscape plantings providing beauty and privacy. The magic of the morning birdsong as the sun rises over Bohemian hill, the changing species of butterflies and birds as the seasons progress, peaking in summer with the Giant Swallowtail butterflies and Osprey dominating the sky, and the quiet evenings with the sun setting in reverse up the Bohemian hillside all make for a very special place indeed. This a turnkey starter home with rental income potential, a house-hacking opportunity, or an ideal Russian River vacation home and guest retreat. Live in one, lease the other, or keep both as your getaway near the beach, redwoods, canoe launches, and river towns of Guerneville and Duncans Mills. A rare kind of flexibility, set against the redwoods and the river.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
8/10
Analy High SchoolGrades 9-1210.7 mi

Construction

Condition

  • Year built: 1925

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Washer/Dryer

Bedrooms & Bathrooms

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

Features

  • Unit 1 - Beds: 2,Baths: 2,Square Footage: 932 | Unit 2 - Beds: 0,Baths: 0,Square Footage: 932 | Unit 3 - Beds: 0,Baths: 0,Square Footage: 932 | Unit 4 - Beds: 0,Baths: 0,Square Footage: 932

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 095145002000
  • Special condition: Offer As Is

Features

  • Has view: Yes
  • View description: Forest,Mountain(s)

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Off Street,On Street
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideRelatively High
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Earthquake
Wildfire

FEMA Declared Disasters in Sonoma 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 $3,155$37,860
Home Insurance *$284$3,408
Property Taxes $338$4,056
Electricity $398$4,786
Total$4,175$50,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,142/yr
40% on housing$125,250/yr
45% on housing$111,333/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: 10.2%
10.2%
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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 95462$332
Sonoma County$599

vs Homes Sold Last Month

Median $/sqft

ZIP 95462$563
Sonoma County$504

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
2026-07-14Listed for sale$624,000
2025-09-01Listing removed$637,000
2025-05-13Price change$637,000
2025-03-26Listed for sale$649,000
2015-11-06Sold$347,000

For Sale by Agent

AgentErika Frey
BrokerageW Real Estate

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