236 Hill St · Sonora, CA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 8/10 · Major
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 6/10 · Moderate
- Hot days now (above 100°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 10/10 · Severe
- Unhealthy air days now
- 28 days/yr
- Unhealthy air days in 30 yrs
- 33 days/yr
Risk factors via First Street. Map © Google.
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 +15.0/30.0
- ARV discount +7.5/15.0
- 1% rule +5.0/10.0
- DSCR +5.0/10.0
- Schools +3.3/10.0
- Livability +2.9/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$1
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Easy living in this charming one level 3 bed 2 bath ranch home close to downtown Sonora. Updated finishes and new carpets in the bedrooms. Views of the mountains from the front & back decks. An attached 2 car garage and a private backyard round out this home package. Easy living & affordable! Clear pest report
Key facts
- 9,583 sq ft lot
- 2 garage spots
- Built 1961
Property features AI
Finance
- Other: Zoned R-1
Exterior
- Parking: Detached garage; Covered parking for 2 vehicles; 2 garage spaces
- Utilities: Public water; Public sewer
- Home design: Single-family residence; Residential property
- Construction: Built in 1961; Wood construction; Shingle roof; Building area approximately 1,494 square feet
- Exterior features: Front porch; Back yard; Lot includes level and sloped areas
Interior
- Kitchen: No specific kitchen features listed
- Bedrooms: Various bedroom counts noted at street level (1, 2 and 3 bedrooms listed)
- Flooring: Laminate flooring
- Bathrooms: Two full bathrooms
- Interior features: Storage space; One freestanding fireplace
- Laundry & utility: Washer/dryer hookups only
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $1.
Deal economics
- At list price, monthly cash flow is $2k ($21k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $1).
- Cap rate 2080858.0% vs local median 3.1% in Sonora — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 57/100 on livability (#762 in CA) — a working-class tenant base; expect higher turnover. Strengths: health & safety A-; Watch: schools C-, employment C-, crime F.
- Sonora Elementary (town): math 30% / reading 49% proficiency, ranked #244 of 517 in CA (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: 301 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 60 units permitted in Tuolumne County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $0 of loan paydown is wiped out by about $0 of value loss. Plan a longer hold.
- Tuolumne County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $0 cash investment doubles in ~1 year — after that, you're playing with house money.
Negotiation context
- It's been on market 33 days — a 3% lower offer ($0) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 11y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Climate carrying-cost: severe wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 33 days. Have you received any prior offers? Is the seller open to a 5% concession, seller financing, or rate buy-down credit?
- Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 219500.00% ✓
- Cap rate
- 2080858.00%
- Cash-on-cash
- 7431613.24%
- DSCR
- 330665.97
- GRM
- 0.0
CMA / ARV
- ARV (on-the-fly)
- $358,560
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 284 Gerrymander Ave | 0.04mi | 3/2.0 | 1,313 (-12%) | 3mo | $290,000 | $221 | 76 |
| 165 Bradford St | 0.43mi | 3/2.0 | 1,598 (+7%) | 1mo | $345,000 | $216 | 68 |
| 719 Barretta St | 0.55mi | 4/2.0 (+1) | 1,600 (+7%) | 5mo | $299,000 | $187 | 53 |
| 253 Arbona Cir S | 0.73mi | 3/2.0 | 1,452 (-3%) | 13mo | $349,000 | $240 | 51 |
| 1140 S Washington St | 0.65mi | 3/2.0 | 1,349 (-10%) | 4mo | $340,000 | $252 | 50 |
| 100 Livingston St | 0.45mi | 4/2.0 (+1) | 1,602 (+7%) | 15mo | $435,390 | $272 | 50 |
| 251 Woodside Dr | 0.39mi | 3/2.0 | 1,288 (-14%) | 14mo | $372,000 | $289 | 47 |
| 327 Calaveras Way | 0.70mi | 3/2.0 | 1,336 (-11%) | 4mo | $235,000 | $176 | 46 |
| 91 Bradford | 0.48mi | 3/2.0 | 1,300 (-13%) | 18mo | $285,000 | $219 | 41 |
| 144 Norlin E & D | 0.64mi | 2/2.0 (-1) | 1,656 (+11%) | 8mo | $390,000 | $236 | 40 |
| 55 Tuolumne St | 0.61mi | 2/2.0 (-1) | 1,294 (-13%) | 6mo | $325,000 | $251 | 39 |
| 526 Alpine | 0.74mi | 3/2.0 | 1,711 (+14%) | 18mo | $472,500 | $276 | 26 |
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
- IRR
- —
- Equity multiple
- 394554.86×
- Total profit
- $110,475
- Equity at exit
- $0
- IRR
- —
- Equity multiple
- 851951.67×
- Total profit
- $238,546
- Equity at exit
- $0
Cash invested: $0 (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
ZIP-level market 95370
- Active inventory
- 301
Monthly cashflow live
- Estimated rent
- $2,195 medium interval (Pro) →
- Mortgage (P&I)
- −$0
- Tax est. 1.5%
- −$0 /mo · $0/yr
- Insurance
- −$0
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$461
- Net cashflow
- $1,734
Break-even live
Sensitivity live
| Price | -10% $1,734 | -5% $1,734 | +0% $1,734 | +5% $1,734 | +10% $1,734 |
|---|---|---|---|---|---|
| Rent | -10% $1,561 | -5% $1,647 | +0% $1,734 | +5% $1,821 | +10% $1,907 |
| Rate | -1.0pp $1,734 | -0.5pp $1,734 | base $1,734 | +0.5pp $1,734 | +1.0pp $1,734 |
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
- $0
- Closing costs
- $0
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 1 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 951 Shaws Flat Rd Unit B Sonora, CA | 3.0 | 1.0 | 951 | $2,195 | $2.31 | 15d | 1 | 1.36mi |
Listing history 30 events
-
2026-06-21days on market $1 Active 33 DOM
-
2026-06-19days on market $1 Active 31 DOM
-
2026-06-18days on market $1 Active 30 DOM
-
2026-06-17days on market $1 Active 29 DOM
-
2026-06-16days on market $1 Active 28 DOM
-
2026-06-15days on market $1 Active 27 DOM
-
2026-06-14days on market $1 Active 25 DOM
-
2026-06-12days on market $1 Active 24 DOM
-
2026-06-10days on market $1 Active 22 DOM
-
2026-06-09days on market $1 Active 21 DOM
-
2026-06-08days on market $1 Active 20 DOM
-
2026-06-07days on market $1 Active 19 DOM
-
2026-06-05days on market $1 Active 16 DOM
-
2026-06-03days on market $1 Active 15 DOM
-
2026-06-02days on market $1 Active 14 DOM
-
2026-06-01days on market $1 Active 13 DOM
-
2026-05-31days on market $1 Active 12 DOM
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2026-05-30days on market $1 Active 11 DOM
-
2026-05-19$1 Active
-
2018-12-14soldstatus $250,000 319-char remark
Show marketing remark (319 chars)
Easy living in this charming one level 3 bed 2 bath ranch home close to downtown Sonora. Updated finishes and new carpets in the bedrooms. Views of the mountains from the front & back decks. An attached 2 car garage and a private backyard round out this home package. Easy living & affordable! Clear pest report
-
2018-06-30$260,000 319-char remark
Show marketing remark (319 chars)
Easy living in this charming one level 3 bed 2 bath ranch home close to downtown Sonora. Updated finishes and new carpets in the bedrooms. Views of the mountains from the front & back decks. An attached 2 car garage and a private backyard round out this home package. Easy living & affordable! Clear pest report
-
2018-02-14soldstatus $60,000 113-char remark
Show marketing remark (113 chars)
Located in the City of Sonora, above the Fairground, this home has been updated and has a charming and cozy feel.
-
2018-02-14soldstatus $60,000
Show marketing remark (113 chars)
Located in the City of Sonora, above the Fairground, this home has been updated and has a charming and cozy feel.
-
2017-08-30$169,000 113-char remark
Show marketing remark (113 chars)
Located in the City of Sonora, above the Fairground, this home has been updated and has a charming and cozy feel.
-
2015-06-25soldstatus $197,000
-
2015-04-21$192,500
-
2012-08-03soldstatus $225,000
-
2012-03-21soldstatus $88,000
-
2005-05-27soldstatus $316,000
-
2003-09-25soldstatus $190,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 8/10 Severe
- Heat 6/10 Major 7 d/yr ≥100°F today · 17 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 10/10 Extreme 28 unhealthy d/yr today · 33 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $26,340
- − Mortgage interest
- −$0
- − Property taxes
- −$0
- − Insurance
- −$0
- − Repairs & maintenance
- −$2,107
- − Management
- −$2,107
- − Depreciation
- −$0
- Taxable income
- $22,125
- Est. tax owed @ 24.0%
- −$5,310
- After-tax cash flow
- $15,498/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
- Sonora Elementary
- NCES district ID
- 0637230
- Math proficiency
- 30% ▼ -15.00%
- Reading proficiency
- 49% ▼ -6.00%
- Median HH income
- $40,134
- Composite
- 33.06/100
- National rank
- #5570
- State rank
- #244 of 517 in CA
Livability — Sonora
- Score
- 57/100
- State rank
- #762
- US rank
- #22153
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Sonora, CA
- Population (ZIP)
- 28,373
Population outlook (Tuolumne County) Hauer SSP2
- Today (2025)
- 50,349 people
- By 2030
- 48,708 · -3.3%
- By 2040
- 45,284 · -10.1%
- By 2050
- 42,575 · -15.4%
- By 2075
- 36,827 · -26.9%
- By 2100
- 30,369 · -39.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (82%)
- Race & ethnicity
- White 82% Hispanic / Latino 11% Two or more races 9% Asian 1% Native American 1%
- Hispanic origin (detail)
- Mexican 7% Puerto Rican 1%
- Common ancestry
- Italian 5% Russian 4% Slovak 3%
- Foreign-born
- 5% · Canada
- Languages at home
- 95% English-only · Spanish 3%
Political lean MEDSL · Tuolumne
- 2024 margin
- Strong R (+21.9) · D 37.9% · R 59.7% · Other 2.4%
- 2008→2024 swing
- -9.2pp toward R · 2008: -12.7pp · 2024: -21.9pp
- All cycles
- 2024: R+21.9 2020: R+18.8 2016: R+20.9 2012: R+15.9 2008: R+12.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -322.67%
- Current HPI
- 130.9637
- 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 |
|
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| Pharmaceuticals / Biotech | 2 | $62B |
|
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Price history
+31.6% since first listed12 events — show timeline
- 2026-05-19 Listed $1 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2018-12-14 Sold (MLS) $250,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2018-06-30 Listed $260,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2018-02-14 Sold (Public Records) $60,000 Public Records
- 2018-02-14 Sold (MLS) $60,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2017-08-30 Listed $169,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2015-06-25 Sold (MLS) $197,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2015-04-21 Listed $192,500 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2012-08-03 Sold (Public Records) $225,000 Public Records
- 2012-03-21 Sold (Public Records) $88,000 Public Records
- 2005-05-27 Sold (Public Records) $316,000 Public Records
- 2003-09-25 Sold (Public Records) $190,000 Public Records
Property tax history
+2.2%/yrLatest (2025): $2,894 · +1.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…