Duplex with Two Separate
For Sale
$749,000
4375 Harness Tract Road, Camino, CA 95709
Two residences offer flexible living arrangements, rental income potential, and accessibility-oriented design.
Property Size1,731 SF
Price / SF$432.70
Days on Market32
Property Features for 4375 Harness Tract Road
General Information
Standard status
Active
Size
1,731 SF
Property subtype
Land
Site & Location
Highway Access
Yes
Road Access
Yes
Units
Unit Mix
1 x 4BR/2BA, 1 x 2BR/2BA
Multifamily Units
2
Amenities
decks
fenced backyard
mature trees
Building Details
Year Built
2003
Buildings
2
Construction
stick built
Listing Agency:
J.Peter Realtors
(408) 465-4899
Listed By:
The Jamison Team · License #01947556
(408) 465-4899
Source:
Tuscanaproperties
Added: Jul 30
Changed: Aug 29
Last Checked: Aug 26 at 1:00PM
Displayed information is deemed reliable but is not guaranteed and should be independently verified. All listing content including descriptions, pricing, images are the copyrighted material of J.Peter Realtors
Investment Insights
Based on property information with market context.
This 2003 duplex includes two fully separate stick-built residences on one property. The primary home offers four bedrooms and two bathrooms, along with an updated open kitchen featuring granite countertops, stainless steel appliances, and extensive cabinetry. Its living area opens to a large rear deck overlooking a fenced backyard. The second residence provides two bedrooms and two bathrooms, with private ensuite bathrooms for both bedrooms. Its open living area and accessibility-oriented layout allow adaptation for ADA needs.
Outdoor areas include spacious decks and mature trees, supporting private residential use in a quiet setting. The property is near Apple Hill orchards, wineries, cider houses, and Jack Russel brewery, with Highway 50 providing regional access. The separate-home configuration is suited to multigenerational living, extended-family use, rental income, or AirB&B options.
Outdoor areas include spacious decks and mature trees, supporting private residential use in a quiet setting. The property is near Apple Hill orchards, wineries, cider houses, and Jack Russel brewery, with Highway 50 providing regional access. The separate-home configuration is suited to multigenerational living, extended-family use, rental income, or AirB&B options.
Key Highlights
- Two separate stick‑built homes on one property
- Primary residence with 4 bedrooms, 2 bathrooms, granite counters, stainless appliances, and large rear deck
- Second home includes 2 bedrooms and 2 bathrooms with private ensuite baths
Financial Insights
Estimated NOI and Cap Rate
NOI = area × lease_rate × (100 − vacancy) / 100 × (1 − expense_ratio). Net Operating Income — what the owner takes home each year before mortgage payments and income tax. Effective rent (asking rent minus vacancy losses) minus operating costs (taxes, insurance, maintenance, management).
NOI / Yr
$28,767
Cap rate = NOI / list price × 100. Capitalization rate — annual return on a fully cash purchase, before financing. NOI divided by price. Higher means more income per dollar invested, but usually also more risk or older condition. 5–8% is typical for stabilized commercial property; double digits often signal distressed deals.
Cap Rate
3.84%
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$575,340
$575.3K
Cap Rate 7%
$410,957
$411.0K
Cap Rate 9%
$319,633
$319.6K
Market Conditions
NOI Build-Up for 1,731 SF
Vacancy — income lost from leasable area expected to sit empty during the year, subtracted from gross rent.
EGI (Effective Gross Income) — gross rent minus vacancy losses, the realistic income before paying operating costs.
OpEx (Operating Expenses) — recurring costs to operate the property (property tax, insurance, utilities, maintenance, management); excludes financing and capital improvements.
NOI (Net Operating Income) — income a property generates after operating costs but before financing and taxes.
Gross rent
$43.6K $25.20/SF
− Vacancy
−$2.5K −$1.46/SF
EGI
$41.1K $23.74/SF
− OpEx
−$12.3K −$7.12/SF
NOI
$28.8K $16.62/SF
Area
El Dorado County, CA
Vacancy
5.79%
Lease Rate
$25.20 /SF/Yr
Expense Ratio
30.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$575,340
Cap Rate 7%
$410,957
Cap Rate 9%
$319,633
Alternative Uses
Best Use
Multifamily LT 5
$411.0K
$359.6K – $479.5K
NOI $28,767 @ 7.0% cap · market cap 3.84%
Second Best
Apartment 5plus
$367.8K
$321.8K – $429.1K
NOI $25,746 @ 7.0% cap · market cap 3.44%
Theoretical Best
Specialty Retail
$618.9K
$541.5K – $722.0K
NOI $43,321 @ 7.0% cap · market cap 5.78%
Zoning and permitted uses should be independently verified with authorities.
Property Analytics
Property Profile
Current Use
Lease Details
2
Residential units
Yes
Highway access
Yes
Paved road access
Location Intelligence
Trade Area within ½ mile
57
Businesses Nearby
Explore this area
Business Placement
Demographics for 95709, CA
4,874
Population
2,597
Households
1.9
Avg Household Size
51
Median Age
32%
College-Educated
93%
High-School Grad
23.8 sq mi
ZIP Area
205
Density / Sq Mi
$79,196
Median Household Income
$45,166
Median Earnings
$1,491
Median Rent
$584,600
Median Home Value
Market
Vacancy Rate% for Multifamily in West region
Questions? Ask Rey
Realmo’s AI knows this listing — price, zoning, demand, history. Ask anything.
Frequently Asked Questions
What type of property is this?
Duplex - Two residences offer flexible living arrangements, rental income potential, and accessibility-oriented design.
Where is this duplex located?
The property is located at 4375 Harness Tract Road Camino, CA.
What is the asking price?
The asking price for this property is $749,000.
What are key features of this property?
This property features: Two separate stick‑built homes on one property; Primary residence with 4 bedrooms, 2 bathrooms, granite counters, stainless appliances, and large rear deck; Second home includes 2 bedrooms and 2 bathrooms with private ensuite baths
