21498 Starrett Hill Road, Monte Rio, CA, 95462
About This Home
Imagine waking up to the sun lifting over the Russian River, casting a golden glow across your private deck. You pour a cup of coffee and look out at the historic Monte Rio bridge, planning a day that requires no driving at all. This is the daily reality at this fully renovated Monte Rio duplex a property that perfectly blends vacation-style living with smart financial strategy. You do not need to worry about older home maintenance, weekend DIY stress, or hidden repair costs. This property consists of two independent, beautifully finished 2-bedroom/2-bathroom each unit 1-bedroom/1-bath units that have been meticulously updated from top to bottom:Modern Interiors: Enjoy brand-new finishes, contemporary kitchens, and pristine bathrooms in each unit. Stunning Vistas: Large windows showcase unobstructed views of the Russian River and the surrounding hills. Move-In Ready: Perfect for an owner-occupant wanting fresh, stylish spaces without the hassle of remodeling. Offset Your Mortgage: Let your tenant's monthly rent cover a significant portion of your housing expenses. *Lower Financial Risk: Keep your personal living costs low while building equity in a highly desirable destination. *Tax Advantages: Take advantage of write-offs available only to income-property owners. *Future Flexibility: Move out down the road and keep both units as a high-yield, double-income investment. Living here means embracing the very best of West County culture, outdoor adventure, and community life: Walkable Convenience: Stroll down the street to local Monte Rio restaurants, the historic theater, and the public beach. River Adventures: Launch your kayak or paddleboard just steps from your front door. Short Drives: Reach rugged Sonoma Coast beaches or the redwoods of Cazadero in minutes. Guerneville Social Life: Enjoy easy access to vibrant nightlife, fine dining, and artisan shops just down the road. Cultural Richness: Immerse yourself in local wine tours, pasta feeds, community pools, art galleries, and live music festivals. This isn't just a house; it's a ticket to a relaxed, vibrant Russian River lifestyle that practically pays for itself. Now's the time to make the Russian River a lifestyle not just a memory!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Foundation: Pillar/Post/Pier
- Roof: Composition,Shingle
- Construction materials: Wood
Type & Style
- Home type: MultiFamily
- Architectural style: Contemporary
- Property subType: Duplex
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Water Heater,Free-Standing Electric Range
- Laundry features: In Unit,Washer/Dryer Hookups
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Unit 1 - Beds: 1,Baths: 1,Square Footage: 450 | Unit 2 - Beds: 2,Baths: 1,Square Footage: 780 | Unit 3 - Beds: 0,Baths: 0,Square Footage: 1230 | Unit 4 - Beds: 0,Baths: 0,Square Footage: 1230
- Window features: Dual Pane Full,Skylight(s)
- Flooring: Simulated Wood
Heating & Cooling
- Heating features: Electric,Wall Furnace
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 1,230
- Total interior livable area: 1,230 sqft
Property
Details
- Parcel number: 095152025000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony/Deck
- Has view: Yes
- View description: Mountain(s),River,Trees/Woods
- Has water view: Yes
- Water view: River
Lot
- Lot size: 4,438 sqft
- Features: None
Parking
- Parking features: None
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 | $2,654 | $31,848 |
| Home Insurance * | $239 | $2,868 |
| Property Taxes | $284 | $3,408 |
| Electricity | $398 | $4,786 |
| Total | $3,575 | $42,900 |
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 |
|---|---|---|
| 2026-07-10 | Listed for sale | $525,000 |
View on Zillow