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19824 Pine Mountain Dr, Groveland, CA, 95321

3beds
2baths
1,810sqft
$750,000
$414price/sqft
$5,304/moest. monthly cost
$212,160/yrincome needed

About This Home

Lakefront Retreat at Pine Mountain Lake – Steps from the Marina! Discover this beautifully updated lakefront cabin ideally located just a short stroll from Pine Mountain Lake's main marina beach. Perfectly blending rustic charm with modern comfort, this 3-bedroom, 2-bathroom home also features a sleeping loft and a large bonus room on the lower level—ideal for extra guests or a fun-filled game and media space. The heart of the home is a stunning open-concept kitchen and living area with knotty pine vaulted ceilings, exposed beams, and abundant natural light. Enjoy fresh interior paint and new luxury vinyl plank flooring throughout, creating a warm and inviting atmosphere. Comfort is key year-round with four efficient mini-split systems providing personalized heating and cooling in each room. Step outside to expansive double wrap-around decks offering extended outdoor living and views of the lake—perfect for morning coffee, evening wine, or entertaining under the stars. This home is sold fully furnished, including all appliances, making it truly turnkey and rental-ready. Currently operating as a highly successful short-term rental, this property offers an exceptional investment opportunity or a dream lakeside getaway for family and friends.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

2/10
Tenaya Elementary SchoolGrades K-81.4 mi
--
Tioga High SchoolGrades 9-121.7 mi
--
Don Pedro High SchoolGrades 9-1213.4 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1976

Materials

  • Foundation: Concrete,Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: 220 Volt Outlet,Dryer,Laundry Room,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Dining Area,Breakfast Bar,Pantry,Updated Kitchen
  • Window features: Window Coverings
  • Flooring: Vinyl,See Remarks
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Free Standing,Living Room,Raised Hearth,Stone,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: MultiUnits,See Remarks,Wood Stove,Fireplace(s)
  • Cooling features: Multi Units,See Remarks

Interior Area

  • Total structure area: 1,810
  • Total interior livable area: 1,810 sqft

Kitchen

  • Features: Breakfast Bar, Stone Counters, Dishwasher, Electric Range/Cooktop, Disposal, Kitchen Island, Microwave, Pantry, Refrigerator, Updated Kitchen

Property

Details

  • Parcel number: 090110016000
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Two Story
  • Stories: 2
  • Pool features: None,Community
  • Exterior features: Low Maintenance
  • Has view: Yes
  • View description: Lake,Marina,Water,Trees/Woods
  • Has water view: Yes
  • Water view: Lake,Marina,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 8,276 sqft
  • Features: Corner Lot

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Wildfire
    WildfireVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Tuolumne County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,792$45,504
Home Insurance *$470$5,640
Property Taxes $644$7,728
Electricity $398$4,786
Total$5,304$63,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,851/yr
40% on housing$159,120/yr
45% on housing$141,440/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 18.5%
18.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$414This listing

vs Other Active Listings

Avg $/sqft

ZIP 95321$265
Tuolumne County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 95321$188
Tuolumne County$258

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-17Listed for sale$750,000
2025-12-13Listing removed$775,000
2025-08-26Listed for sale$775,000
2021-03-24Listing removed--
2018-03-15Sold$457,000
2014-08-15Sold$420,000
2014-01-03Listed for sale$425,000
2013-08-20Listing removed$499,000
2013-05-03Listed for sale$499,000
2012-06-30Listing removed$529,000
2012-05-26Listed for sale$529,000
2012-03-02Listing removed$489,000
2011-07-31Price change$489,000
2011-04-13Listed for sale$550,000
2009-07-28Listing removed$789,000
2009-07-18Price change$789,000
2009-06-15Listed for sale$859,000
2005-09-09Sold$362,000

For Sale by Agent

AgentRobert Stone
BrokerageYosemite Region Real Estate

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