




9079 Middle Terrace, Monte Rio, CA, 95462
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
Schools
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
- Landslide
- Earthquake
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Sonoma County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,155 | $37,860 |
| Home Insurance * | $284 | $3,408 |
| Property Taxes | $338 | $4,056 |
| Electricity | $398 | $4,786 |
| Total | $4,175 | $50,100 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-14 | Listed for sale | $624,000 |
| 2025-09-01 | Listing removed | $637,000 |
| 2025-05-13 | Price change | $637,000 |
| 2025-03-26 | Listed for sale | $649,000 |
| 2015-11-06 | Sold | $347,000 |
