Sticker shock was in full force when I moved from Northern Colorado to Northern California in 2016. In Colorado, $350,000 could get you a modest three bedroom, two bath rancher along the Front Range. In Sonoma County wine country? Not so much.
I had about $80,000 as a down payment and a new job and after adjusting to the new market metrics, I began to get acclimated to my environs and the crazy California housing market. I was renting a downtown Santa Rosa apartment for about $2200 a month…..renting. It was driving me crazy because who wants to throw away that much money every month towards something you don’t own and that pays someone else’s mortgage? For the past twenty years I had owned my own home and I knew the value of owning rather than renting. In addition to having your investment appreciate in dollars, there is also the psychological value of knowing that you are in charge of where you live (meaning, no landlord to raise the rent or end your lease or decide to sell).
After getting my ducks in a row and working with a good realtor, I discovered an established town home complex called Courtyards East in Windsor and fell in love. The complex is mostly owner-occupied and surrounded by heirloom oaks and mature Redwoods and maples. Located near the 101 highway it also made for easy commuting. Once I discovered all the nearby hiking trails, I really fell in love and felt like I had stumbled upon a secret that not many others seemed to know about. And the town of Windsor is so quaint and cool–Oliver’s Market, Russian River Brewing Company, and weekly town green concerts in the summer (pre-COVID). And there are so many other great places nearby….world-renowned Calistoga is a mere 30 minutes around the corner, and the same for funky Russian River towns like Guerneville and Monte Rio with the coast just a few minutes further. And don’t forget Santa Rosa and all its conveniences is a short drive down the highway, with Healdsburg only five miles north and always a draw for wine tasting, shopping and dining.
Three years have passed since I got my foot firmly lodged in the Sonoma County real estate market and it’s time to let someone else do the same and take advantage of “affordable” housing in Sonoma County. My beautiful town home, which holds so many great memories, is now available as I transition into a new life in a new home with a great guy (soon to be my husband). If you are done with renting and want a home under $400,000, and want to take advantage of today’s crazy-low mortgage rates, come take a look at my place at 216 Courtyards East in Windsor. You’ll be glad you did!