17097 Dogwood Way · Cobb, CA 95461

$255,000

2 bd · 1.0 ba · 696 sqft · SingleFamily public records · 301 Days on market

Built 1962 0.86 ac lot $366/sqft · 61% above area Est $255k · at est.

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +12.0/30.0
• ARV discount +7.5/15.0
• DSCR +3.6/10.0
• 1% rule +3.0/10.0
• Livability +3.0/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nestled among the towering pines of Cobb’s desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about — all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately . 87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore — a rare opportunity in one of Cobb’s most scenic neighborhoods. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

Key facts

• Wood-burning stove
• Wrap-around deck
• Skylights

Tags

• WHISPERING PINES NEIGHBORHOOD
• THREE SEPARATE PARCELS
• WRAP-AROUND DECK
• WOOD-BURNING STOVE
• SKYLIGHTS
• MINI-SPLIT UNITS

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-127 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $233k (8.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (20.0% below list).
• Recommended offer: $204k (20.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 60/100 on livability (#589 in CA) — a middle-class / working-renter tenant base. Strengths: housing A+, employment A-; Watch: health & safety C-, crime F, amenities F.
• Middletown Unified (rural): math 24% / reading 41% proficiency, ranked #291 of 517 in CA (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 56 active listings in the ZIP; 107 units permitted in Lake County in 2024 (40 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Lake County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 301 days — a 12% lower offer ($224k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 10y ago; this cycle's ask has dropped $45k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $68/mo.
• Climate carrying-cost: major flood risk; severe wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $203,918 (20.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 301 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.80% ✗
• Cap rate: 6.01%
• Cash-on-cash: -1.00%
• DSCR: 0.96
• GRM: 10.4

CMA / ARV

• ARV (median comp): $255,278
• List price: $255,000
• Delta: -0.11%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17000 Edgewood Way	0.14mi	2/1.0	672 (-3%)	5mo	$175,000	$260	84

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -19.8%
• Equity multiple: 0.31×
• Total profit: $-49,399
• Equity at exit: $38,021

10-year hold

• IRR: -12.7%
• Equity multiple: 0.25×
• Total profit: $-53,374
• Equity at exit: $22,048

Cash invested: $71,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 95461

• Home prices YoY: -26.0%
• Active inventory: 56
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,039 medium
• Mortgage (P&I): −$1,337
• Tax from tax record: −$227 /mo · $2,720/yr
• Insurance: −$106
• Flood insurance flood zone: −$68 /mo · $814/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $-127

Break-even live

Break-even rent $2,200

Max offer price $232,550

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-19
   days on market $255,000 Active 301 DOM
2. 2026-06-18
   days on market $255,000 Active 300 DOM
3. 2026-06-17
   days on market $255,000 Active 299 DOM
4. 2026-06-16
   days on market $255,000 Active 298 DOM
5. 2026-06-15
   days on market $255,000 Active 297 DOM
6. 2026-06-14
   days on market $255,000 Active 295 DOM
7. 2026-06-13
   days on market $255,000 Active 294 DOM
8. 2026-06-10
   days on market $255,000 Active 292 DOM
9. 2026-06-09
   days on market $255,000 Active 291 DOM
10. 2026-06-08
    days on market $255,000 Active 290 DOM
11. 2026-06-07
    days on market $255,000 Active 289 DOM
12. 2026-06-05
    days on market $255,000 Active 286 DOM
13. 2026-06-03
    days on market $255,000 Active 285 DOM
14. 2026-06-02
    days on market $255,000 Active 284 DOM
15. 2026-06-01
    days on market $255,000 Active 283 DOM
16. 2026-05-31
    days on market $255,000 Active 282 DOM
17. 2026-05-30
    days on market $255,000 Active 281 DOM
18. 2026-04-24
    price $255,000 1656-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

19. 2026-04-24
    price $255,000 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

20. 2026-02-13
    price $269,000 1656-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

21. 2026-02-13
    price $269,000 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

22. 2026-02-13
    price $265,000 1656-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

23. 2026-02-13
    price $265,000 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

24. 2026-02-10
    status Active 1656-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

25. 2026-02-10
    status Active 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

26. 2026-02-03
    historical Active Under Contract 1656-char remark

    Show marketing remark (1656 chars)

    Nestled among the towering pines of Cobb’s desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about — all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately . 87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore — a rare opportunity in one of Cobb’s most scenic neighborhoods. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

27. 2026-02-02
    historical Contingent (Show) 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

28. 2025-12-06
    price $285,000 1656-char remark

    Show marketing remark (1656 chars)

    Nestled among the towering pines of Cobb’s desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about — all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately . 87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore — a rare opportunity in one of Cobb’s most scenic neighborhoods. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

29. 2025-12-05
    price $285,000 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

30. 2025-10-08
    price $295,000 1656-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

31. 2025-10-08
    price $295,000 1632-char remark

    Show marketing remark (1632 chars)

    Nestled among the towering pines of Cobb's desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately .87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore a rare opportunity in one of Cobb's most scenic neighborhoods. Whether you're searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

32. 2025-08-22
    listed $299,999 Active 1632-char remark

    Show marketing remark (1656 chars)

    Nestled among the towering pines of Cobb’s desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about — all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately . 87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore — a rare opportunity in one of Cobb’s most scenic neighborhoods. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

33. 2025-08-22
    listed $299,999 Active 1656-char remark

    Show marketing remark (1656 chars)

    Nestled among the towering pines of Cobb’s desirable Whispering Pines neighborhood, this private mountain retreat offers the kind of peace, space, and atmosphere buyers dream about — all on nearly an acre across THREE separate parcels. Surrounded by nature with the soothing sounds of a seasonal creek nearby, this property feels like your own hidden getaway while still being conveniently located just minutes from local amenities. The charming home blends rustic character with comfortable living, featuring warm wood interiors, vaulted ceilings, skylights, and large windows that bring the outdoors in. The inviting living room centers around a cozy wood-burning stove, creating the perfect mountain cabin feel year-round, while mini-split heating and cooling provide modern comfort. The flexible floor plan includes two bedrooms plus a bonus room ideal for guests, a home office, or potential third bedroom. Outside, the expansive wraparound deck invites you to relax beneath the trees, entertain friends, or simply enjoy the fresh mountain air and peaceful setting. The detached shed with its own deck, water, and power hookup offers exciting possibilities for a workshop, studio, hobby space, or additional storage. Set on approximately . 87 acres spanning 17097 Dogwood Way, 17091 Dogwood Way, and 10358 Brookside Drive, this unique property offers privacy, usable space, and room to explore — a rare opportunity in one of Cobb’s most scenic neighborhoods. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this special property captures the true essence of mountain living.

34. 2023-06-02
    soldstatus $230,000 Closed Sale
35. 2023-06-02
    soldstatus $230,000 Closed
36. 2023-06-02
    soldstatus $230,000
37. 2023-05-04
    historical Contingent (Show)
38. 2023-04-14
    historical Active Under Contract
39. 2023-03-29
    price $249,000
40. 2023-03-29
    listed $249,000 Active
41. 2023-02-08
    listed $305,000 Active
42. 2018-11-08
    soldstatus $227,500 Closed Sale
43. 2018-11-08
    soldstatus $227,500
44. 2018-09-10
    historical Active Under Contract
45. 2018-07-25
    listed $235,000 Active
46. 2016-08-31
    soldstatus $195,000 Closed Sale
47. 2016-08-31
    soldstatus $195,000
48. 2016-07-02
    historical Active Under Contract
49. 2016-06-22
    listed $195,000 Active
50. 2015-05-08
    soldstatus $138,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $2,720 · $227/mo
• Projected year-2 tax: $2,720 · $227/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone D · 78% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 3/10 Moderate 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 36 unhealthy d/yr today · 37 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,470
• − Mortgage interest: −$14,284
• − Property taxes: −$2,720
• − Insurance: −$2,089
• − Repairs & maintenance: −$1,958
• − Management: −$1,958
• − Depreciation: −$7,418
• Taxable loss: −$5,957
• Est. tax savings @ 24.0%: +$1,430
• After-tax cash flow: $-95/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Middletown Unified
• NCES district ID: 0624750
• Math proficiency: 24% ▼ -9.00%
• Reading proficiency: 41% ▼ -8.00%
• Median HH income: $57,451
• Composite: 28.92/100
• National rank: #6632
• State rank: #291 of 517 in CA

Livability — Cobb

• Score: 60/100
• State rank: #589
• US rank: #19147

Category grades

Amenities F Commute F Cost of living F Crime F Employment A- Housing A+ Health & safety C- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 1,265
• Population (ZIP): 3,720

Population outlook (Lake County) Hauer SSP2

• Today (2025): 62,396 people
• By 2030: 60,626 · -2.8%
• By 2040: 56,453 · -9.5%
• By 2050: 53,054 · -15.0%
• By 2075: 47,663 · -23.6%
• By 2100: 41,804 · -33.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Hispanic / Latino 22% Two or more races 16% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 18% Puerto Rican 3%
• Common ancestry: Lithuanian 6% Portuguese 4% Slovak 3%
• Foreign-born: 16% · Canada, China
• Languages at home: 76% English-only · Spanish 24%

Political lean MEDSL · Lake

• 2024 margin: Toss-up / Even · D 47.8% · R 49.2% · Other 3.0%
• 2008→2024 swing: -20.6pp toward R · 2008: 19.3pp · 2024: -1.4pp
• All cycles: 2024: R+1.4 2020: D+6.3 2016: D+3.7 2012: D+16.5 2008: D+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.72%
• Current HPI: 161.0914
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

+84.1% since first listed

33 events — show timeline

• 2026-04-24 Price Changed $255,000 CRMLS
• 2026-04-24 Price Changed $255,000 BAREIS
• 2026-02-13 Price Changed $269,000 CRMLS
• 2026-02-13 Price Changed $269,000 BAREIS
• 2026-02-13 Price Changed $265,000 CRMLS
• 2026-02-13 Price Changed $265,000 BAREIS
• 2026-02-10 Relisted — CRMLS
• 2026-02-10 Relisted — BAREIS
• 2026-02-03 Contingent — CRMLS
• 2026-02-02 Contingent — BAREIS
• 2025-12-06 Price Changed $285,000 CRMLS
• 2025-12-05 Price Changed $285,000 BAREIS
• 2025-10-08 Price Changed $295,000 CRMLS
• 2025-10-08 Price Changed $295,000 BAREIS
• 2025-08-22 Listed $299,999 BAREIS
• 2025-08-22 Listed $299,999 CRMLS
• 2023-06-02 Sold (Public Records) $230,000 Public Records
• 2023-06-02 Sold (MLS) $230,000 BAREIS
• 2023-06-02 Sold (MLS) $230,000 CRMLS
• 2023-05-04 Contingent — BAREIS
• 2023-04-14 Contingent — CRMLS
• 2023-03-29 Price Changed $249,000 CRMLS
• 2023-03-29 Listed $249,000 BAREIS
• 2023-02-08 Listed $305,000 CRMLS
• 2018-11-08 Sold (Public Records) $227,500 Public Records
• 2018-11-08 Sold (MLS) $227,500 CRMLS
• 2018-09-10 Contingent — CRMLS
• 2018-07-25 Listed $235,000 CRMLS
• 2016-08-31 Sold (Public Records) $195,000 Public Records
• 2016-08-31 Sold (MLS) $195,000 CRMLS
• 2016-07-02 Contingent — CRMLS
• 2016-06-22 Listed $195,000 CRMLS
• 2015-05-08 Sold (Public Records) $138,500 Public Records

Property tax history

+10.2%/yr

Latest (2025): $2,720 · +1.0% YoY. Source: county tax records.