Bay Area + Foothills Compound Search

All properties ≥ 2,300 SF combined  |  Preferred target: 4,000–5,000 SF  |  Budget $800K–$1.5M  |  June 2026

Preferred SF range (4,000–5,000+) Meets minimum (2,300–3,999 SF) Active listing Coming Soon

📊 Purchase Roadmap — Martinez Family Compound

Financial Targets

  • FICO Score 760+
  • Combined Documented Income $250K+
  • Down Payment $200–350K
  • IRS Balance Pay off first
  • Bill revolving utilization <10%

Loan Program

  • Loan type Conventional
  • Rate assumption 6.5% 30-yr
  • Structure TIC 50/50
  • Max 1-unit DTI 43%
  • Co-ownership agreement Required

Payments shown 50/50 per person

  • Rate used 6.5% 30-yr fixed
  • Includes P&I + Insurance
  • Excludes Property tax (semi-annual)
  • Scenarios 20% down & $200K fixed
  • Est. insurance 0.6% annually

🟢 Now — Q3 2026

Max ~$875–950K
$150K down · $190K income · IRS on plan
Conforming only · FICO 750+

Q4 2026 — Q1 2027

Max ~$1.0–1.15M
$250K down · 2025 returns filed · IRS paid off
Qualifies for most Sonoma/Napa properties

🎯 Spring 2027 (Optimal)

Max ~$1.2–1.4M
$350K down · Income documented $250K+
Lease ends June 2027 · Full list accessible

⭐ FAVORITES Click ⭐ again to restore · Click ✕ to reject
6029 MacArthur Blvd Oakland
#1 of 10 ACTIVE
6029 MacArthur Blvd, Oakland, CA 94605
HSL3 — 3+ Houses on Lot · Alameda County
$850,000 GLA: 2,330 SF
Beds/Baths
7 BD / 3 BA
Living Area
2,330 SF
Lot Size
0.14 ac
Year Built
1939
Only confirmed 3-structure compound in the East Bay — front duplex (2 units) + standalone back bungalow, all with independent entrances. 5 min from UC Berkeley. One unit already rented at $1,341/mo. Best price-per-unit on the list. "As Is" = negotiating room.
Alameda Co. Limit: $1,249,125 CONFORMING
⚠ HSL3 = 3+ legal units — verify lender will treat as SFR+ADUs, not small multifamily
20% Down ($170,000)
$2,361/ea P&I+Ins · 6.5%
$200K Down
$2,266/ea P&I+Ins · 6.5%
Penngrove Orchard
#2 of 10 COMING SOON
473-477 Orchard Ln, Penngrove, CA 94951
HSL3 — 3+ Houses on Lot · Sonoma County
$1,399,950 GLA: 2,820 SF
Living Area
2,820 SF
Lot Size
0.91 ac
Year Built
1950
HSL3 = confirmed 3+ houses on one parcel. Nearly 1 acre gives each household real outdoor separation. Penngrove is an unincorporated Sonoma County pocket with a rural feel, 5 min from Petaluma. Coming Soon — be first in.
Sonoma Co. Limit: $897,000 JUMBO
⚠ HSL3 = 3+ legal units — verify lender will treat as SFR+ADUs, not small multifamily
20% Down ($279,990)
$3,889/ea P&I+Ins · 6.5%
$200K Down
$4,142/ea P&I+Ins · 6.5%
Santa Rosa Ludwig
#3 of 10 ACTIVE
2062-2070 Ludwig Ave, Santa Rosa, CA 95407
HSL3 — 3+ Houses on Lot · Sonoma County · ⭐ Preferred SF Range
$1,300,000 GLA: 5,410 SF
Living Area
5,410 SF
Lot Size
8.18 ac
Year Built
1953
Largest combined GLA on this list (5,410 SF) on 8+ acres — exceeds preferred 4,000–5,000 SF target. 3+ confirmed structures with real privacy between households. Best space-per-dollar in all of Sonoma County. Strong match for 3-household compound.
Sonoma Co. Limit: $897,000 JUMBO
⚠ HSL3 = 3+ legal units — verify lender will treat as SFR+ADUs, not small multifamily
20% Down ($260,000)
$3,612/ea P&I+Ins · 6.5%
$200K Down
$3,801/ea P&I+Ins · 6.5%
Napa G St
#4 of 10 ACTIVE
1140 G St, Napa, CA 94559
HSL2 — 2 Houses on Lot · Napa County
$860,000 GLA: ~2,813 SF
Living Area
~2,813 SF
Lot Size
2,813 SF
Year Built
1940
Napa city two-home compound under $900K — rare. Excellent schools, low crime, strong community infrastructure. Two homes gives immediate two-household occupancy; ADU potential for a third unit under AB 2221.
Napa Co. Limit: $1,017,750 CONFORMING
20% Down ($172,000)
$2,389/ea P&I+Ins · 6.5%
$200K Down
$2,301/ea P&I+Ins · 6.5%
Novato Center Rd
#5 of 10 COMING SOON
1662 Center Rd, Novato, CA 94947
HSL2 — 2 Houses on Lot · Marin County
$999,000 GLA: 2,352 SF
Living Area
2,352 SF
Lot Size
8,411 SF
Year Built
1973
Marin County compound under $1M — exceptional value for the county. Novato offers Marin's top-rated schools at its most affordable price point. Only 7 DOM Coming Soon — move quickly before it hits active status.
Marin Co. Limit: $1,249,125 CONFORMING
20% Down ($199,800)
$2,775/ea P&I+Ins · 6.5%
$200K Down
$2,775/ea P&I+Ins · 6.5%
Guerneville Hwy 116
#6 of 10 COMING SOON
11850 Highway 116, Guerneville, CA 95446
HSL2 — 2 Houses on Lot · Sonoma County
$895,000 GLA: 3,482 SF
Living Area
3,482 SF
Lot Size
0.61 ac
Year Built
1954
Second-largest GLA on this list (3,482 SF) under $900K — approaches the preferred range. Russian River gives a true compound feel. Two large structures immediately house two households; ADU law allows adding a third. Best space-per-dollar under $900K.
Sonoma Co. Limit: $897,000 CONFORMING
20% Down ($179,000)
$2,486/ea P&I+Ins · 6.5%
$200K Down
$2,420/ea P&I+Ins · 6.5%
Santa Rosa Cumberland
#7 of 10 ACTIVE
2771 Cumberland St, Santa Rosa, CA 95407
HSL2 — 2 Houses on Lot · Sonoma County
$930,000 GLA: 2,404 SF
Living Area
2,404 SF
Lot Size
6,673 SF
Year Built
2002
Santa Rosa SW at $930K with solid 2,404 SF. Two homes on lot in a city with full urban amenities — hospitals, schools, shopping. 18 DOM means genuine buyer interest; act soon.
Sonoma Co. Limit: $897,000 CONFORMING
20% Down ($186,000)
$2,584/ea P&I+Ins · 6.5%
$200K Down
$2,539/ea P&I+Ins · 6.5%
Windsor Patrick Ln
#8 of 10 ACTIVE
353 Patrick Ln, Windsor, CA 95492
HSL2 — 2 Houses on Lot · Sonoma County · ⭐ Preferred SF Range
$1,200,000 GLA: 4,318 SF+
Living Area
4,318 SF+
Lot Size
65 ac (!)
Year Built
1981
65 acres in Windsor for $1.2M — the most land on this list by a factor of 8. Multiple structures across the property (2,200 + 1,475 + 643 SF) total well into the preferred range. Ranch compound feel with true privacy. Windsor has excellent schools and full services.
Sonoma Co. Limit: $897,000 CONFORMING (2-unit)
20% Down ($240,000)
$3,334/ea P&I+Ins · 6.5%
$200K Down
$3,460/ea P&I+Ins · 6.5%
Santa Rosa Dutton Meadow
#9 of 10 ACTIVE
2803 Dutton Meadow, Santa Rosa, CA 95407
HSL2 — 2 Houses on Lot · Sonoma County
$1,049,000 GLA: ~2,590 SF
Living Area
~2,590 SF
Lot Size
3.29 ac
Year Built
1951
3.29 acres with two separate structures totaling ~2,590 SF in Santa Rosa SW. Real outdoor space per household. Over 3 acres means room for gardens, play areas, or adding structures under ADU law. Strong value at $1.049M.
Sonoma Co. Limit: $897,000 CONFORMING
20% Down ($209,800)
$2,914/ea P&I+Ins · 6.5%
$200K Down
$2,945/ea P&I+Ins · 6.5%
527-529 Middle Rincon Rd, Santa Rosa
#10 of 10 ACTIVE
527-529 Middle Rincon Rd, Santa Rosa, CA 95409
HSL2 — 2 Houses on Lot · Sonoma County
$969,000 GLA: 2,548 SF
Living Area
2,548 SF
Lot Size
0.25 ac
Year Built
1997
Santa Rosa hills HSL2 at $969K in Rincon Valley — one of Santa Rosa's most desirable neighborhoods with top-rated schools. 46 DOM gives room to negotiate. Two homes on lot immediately serves two households.
Sonoma Co. Limit: $897,000 CONFORMING
20% Down ($193,800)
$2,692/ea P&I+Ins · 6.5%
$200K Down
$2,672/ea P&I+Ins · 6.5%
⛰ FOOTHILLS EXPANSION — El Dorado · Placer · Sacramento Multi-household compounds in the Sierra foothills
5560 Ralston Way Placerville
ELD-1 ACTIVE
5560 Ralston Way, Placerville, CA 95667
2 Homes on Lot · El Dorado County · 5 Acres
$1,395,000 GLA: 3,322 SF
Main Home
2,396 SF · 4BD/3BA
ADU
926 SF · 2BD/2BA
Lot
5.01 ac
Year Built
1981
Two single-level homes on 5 private acres — main (2,396 SF) + permitted ADU (926 SF) = 3,322 SF confirmed. Pool, equestrian barn with stalls, 2 gated entrances for true compound separation. EV charger, whole-house Generac generator, ½ mile to Hwy 50. Sierra views. Best-improved foothill compound on the list.
El Dorado Co. Limit: $832,750 JUMBO
20% Down ($279,000)
$3,875/ea P&I+Ins · 6.5%
$200K Down
$4,125/ea P&I+Ins · 6.5%
31180 Knob Cone Rd Gold Run
PLA-1 ⭐ ACTIVE
31180 Knob Cone Rd, Gold Run, CA 95717
2 Homes on Lot · Placer County · 10 Acres · ⭐ Preferred SF Range
$825,000 GLA: 4,112 SF
Home 1
1,680 SF · 3BD/2BA
Home 2 + Studio
1,200 + 1,232 SF
Lot
10 ac
Year Built
2008
Best foothills value — 2 private homes on 10 acres at $825K. Separate electric meters, septic, gated driveways. Home 1 (1,680 SF) has 6-car garage/workshop; Home 2 (1,200 SF) + 1,232 SF finished studio = 4,112 SF total. Owned solar = $0 PG&E. Earns $6K/yr from internet towers. Panoramic views (Mt. Diablo → Sacramento). Owner financing: $200K down at 5%. 1 hour from Sacramento + Tahoe.
Placer Co. Limit: $832,750 CONFORMING
20% Down ($165,000)
$2,292/ea P&I+Ins · 6.5%
$200K Down
$2,181/ea P&I+Ins · 6.5%
1408 Riosa Rd Lincoln
PLA-2 ACTIVE
1400 & 1408 Riosa Rd, Lincoln, CA 95648
2 Homes on Lot · Placer County · 4.8 Acres
$1,060,000 GLA: 3,084 SF
Home 1 (1408)
2,200 SF · 3BD/2BA
Home 2 (1400)
884 SF · 2BD/1BA
Lot
4.8 ac
Year Built
1974
Two separate addresses, power meters, and septic systems — true legal compound. Main home (2,200 SF, hickory kitchen, new AC) + newly built second home (884 SF). 1,000 SF barn, stocked pond (bass/bluegill/catfish). AG/farming/residential zoning — horses, cattle OK. Low fire risk area = very low insurance. Near 4H, FFA, rodeo arenas.
Placer Co. Limit: $832,750 JUMBO
20% Down ($212,000)
$2,945/ea P&I+Ins · 6.5%
$200K Down
$2,983/ea P&I+Ins · 6.5%
12501 Lee School Cross Rd Wilton
SAC-2 ⭐ ACTIVE
12501 Lee School Cross Rd, Wilton, CA 95693
Farmhouse + Modular Back House · Sacramento County · 4.33 Acres · ⭐ Preferred SF Range
$1,125,000 GLA: 3,145+ SF
Main Farmhouse
3,145 SF · 3BD/3BA
Back House
3BD (separate)
Lot + Extras
4.33 ac · pool · barn
Year Built
1988
Best Sacramento County compound — 3,145 SF main farmhouse plus a separate 3BR modular back house puts total area well into the preferred range. 2,000 SF workshop immediately serves HH-C. Pool with fountain, 7-stall horse barn, 3 pastures, seasonal pond. At $1,125,000 this is the strongest dollar-for-compound value on the Sacramento list.
Sacramento Co. Limit: $832,750 JUMBO
20% Down ($225,000)
$3,125/ea P&I+Ins · 6.5%
$200K Down
$3,204/ea P&I+Ins · 6.5%
4773 Jacarah Rd Placerville
ELD-2 ACTIVE
4773 Jacarah Rd, Placerville, CA 95667
Main House + Granny Flat + Workshop · El Dorado County · Nearly 5 Acres
$1,100,000 GLA: 3,071 SF
Main + ADU
3,071 SF · 3BD+Office
Accessory
1,600 SF workshop
Lot
~5 ac
Year Built
1988
3,071 SF main (built-in 1BD/1BA granny flat ADU) + 1,600 SF two-story accessory structure with workshop & 4 carpeted office rooms — immediately convertible to 3rd household space. 850 SF barn + RV pad w/ 50-amp hookup + solar (owned). Vaulted great room, granite kitchen, new roof (2020). Most versatile foothill compound under $1.1M.
El Dorado Co. Limit: $832,750 JUMBO
20% Down ($220,000)
$3,056/ea P&I+Ins · 6.5%
$200K Down
$3,119/ea P&I+Ins · 6.5%
🌊 EAST BAY & MARIN — Alameda · Contra Costa · Marin Cooler-weather HSL2/HSL3 compounds · Better schools · BAREIS June 2026
14828 Martell Ave San Leandro
ALA-1 ACTIVE
14828-14826 Martell Ave, San Leandro, CA 94578
HSL2 — 2 Houses on Lot · Alameda County · MLS #426114355
$899,000 GLA: 1,758 SF
Beds / Baths
5BD / 2BA
Living Area
1,758 SF
Lot Size
5,000 SF
Year Built
✅ Main house (3BD/1BA, updated kitchen + floors) + brand-new legal ADU (2BD/1BA, paid-off solar). Separate entrances & PG&E meters — both vacant for clean move-in. Alameda County school system; easy 880/238 freeway access. 90 days on market = motivated seller. Confirmed "2 Houses on Lot" in MLS type field.
Alameda Co. Limit: $1,249,125 CONFORMING
20% Down ($179,800)
$2,474/ea P&I+Ins · 6.5%
$250K Down
$2,252/ea P&I+Ins · 6.5%
607 Verde Ave Richmond
CC-1 ACTIVE
607 Verde Ave, Richmond, CA 94801
HSL2 — 2 Houses on Lot · Contra Costa County · MLS #426138339
$749,000 GLA: 1,848 SF
Beds / Baths
— / —
Living Area
1,848 SF
Lot Size
5,000 SF
Year Built
1990
✅ Most affordable East Bay compound at $749K. Two units on one lot — HSL2 confirmed in BAREIS. Contra Costa County ($1.249M conforming limit). Richmond location with access to El Cerrito/Kensington schools, Point Richmond waterfront, and BART. Harper Real Estate — Bay Area investment specialist. Agent bilingual (English/Spanish).
Contra Costa Co. Limit: $1,249,125 CONFORMING
20% Down ($149,800)
$2,081/ea P&I+Ins · 6.5%
$200K Down
$1,922/ea P&I+Ins · 6.5%
10 Pedrini Way Lagunitas
MAR-1 ACTIVE
10 Pedrini Way, Lagunitas, CA 94938
HSL3 — 3 Units · Marin County · MLS #326026508
$1,069,000 GLA: 1,500 SF
Beds / Baths
4BD / 3BA
Living Area
1,500 SF
Lot Size
9,300 SF
Year Built
1963
⭐ Only 3-unit property found — perfectly sized for 3 households. Two mirrored 2BD/1BA units + studio, all substantially updated, SW-facing with private decks. San Geronimo Valley / Samuel P. Taylor State Park — Marin's most temperate micro-climate. Lagunitas School District rated highly. Caveat: HSL3 = 3 units triggers commercial lender rules; plan for portfolio loan. Studio unit does not appear on tax records — verify before close.
Marin Co. Limit: $1,249,125 CONFORMING
20% Down ($213,800) ÷3
$1,980/ea P&I+Ins · 6.5%
$300K Down ÷3
$1,799/ea P&I+Ins · 6.5%
🌊 SOLANO COUNTY — Vacaville · Vallejo BAREIS HSL2/HSL3 active listings · June 2026 search
34 Sandy Beach Rd Vallejo
SOL-1 ACTIVE
34 Sandy Beach Rd, Vallejo, CA 94590
HSL2 — 2 Houses on Lot · Solano County · Waterfront · MLS #326007357
$749,000 GLA: 1,600 SF
Beds / Baths
2BD / 2BA
Living Area
1,600 SF
Lot
0.09 ac
Year Built
1957
✅ Within budget at $749K. Main house + ADU on Vallejo's waterfront Sandy Beach Rd — ferry views, walk to beach, fish, swim, kayak. Only Solano County HSL2 under $1.5M found in all of BAREIS. Caveat: 1,600 SF is tight for 3 households; best as a 2-household starter. 140 DOM = strong negotiating leverage.
Solano Co. Limit: $832,750 CONFORMING
20% Down ($149,800)
$2,081/ea P&I+Ins · 6.5%
$200K Down
$1,922/ea P&I+Ins · 6.5%

🚫 Rejected Properties

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