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12305 Mills St, Groveland, CA, 95321

3beds
2baths
1,664sqft
$339,000
$204price/sqft
$2,636/moest. monthly cost
$105,440/yrincome needed

About This Home

Snow-capped mountain views, effortless mountain living, and exceptional value come together in this beautifully maintained Pine Mountain Lake home. Thoughtfully priced to stand out in today’s market. This single-level 3-bedroom, 2-bath home offers an open and inviting floor plan designed for both comfortable everyday living and easy entertaining. The spacious primary suite features a large walk-in closet, creating a relaxing private retreat with abundant storage. Solar helps keep utility costs low, while the rare combination of a level driveway and attached 2-car garage provides convenience that’s hard to find in the mountains. Operating as a highly successful short-term vacation rental, the home has been lovingly maintained and is ready for its next owner to immediately enjoy as a full-time residence, weekend getaway, or income-producing investment property. Step out onto the back deck and take in breathtaking panoramic views of the snow-capped peaks surrounding Yosemite National Park. From peaceful mornings with coffee to unforgettable sunset evenings, the setting delivers mountain beauty in every season. Located just inside the gates in a quiet neighborhood, you’ll enjoy privacy while remaining only minutes from Pine Mountain Lake’s beaches, championship golf course, country club, tennis courts, and all the amenities that make this community so desirable — with Yosemite National Park and endless year-round recreation just a short drive away. Single-level homes with level access are incredibly rare in Pine Mountain Lake, and when paired with dramatic mountain views, owned solar, strong vacation rental history, and an attractive price point, this property becomes an opportunity buyers won’t want to miss. In a market full of options, the accessibility, scenery, proven rental appeal, and motivated pricing make this home a true standout

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

2/10
Tenaya Elementary SchoolGrades K-81.1 mi
--
Tioga High SchoolGrades 9-121.6 mi
--
Don Pedro High SchoolGrades 9-1213.1 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1989

Materials

  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: In Garage

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate,Linoleum,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,664
  • Total interior livable area: 1,664 sqft

Kitchen

  • Features: Other

Property

Details

  • Parcel number: 09408013
  • Special condition: Standard
  • Other equipment: Other

Features

  • Levels: One Story
  • Stories: 1
  • Pool features: None,Community

Lot

  • Lot size: 0.56 Acres
  • Features: Sloped Down,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,714$20,568
Home Insurance *$212$2,544
Property Taxes $312$3,744
Electricity $398$4,786
Total$2,636$31,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,377/yr
40% on housing$79,080/yr
45% on housing$70,293/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 95321$275
Tuolumne County$243

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
2026-05-12Price change$299,000
2026-05-06Price change$339,000
2026-04-10Price change$349,000
2026-03-16Listed for sale$399,000
2012-05-15Sold$195,000
2012-02-19Price change$199,950
2011-07-29Listed for sale$232,500

For Sale by Agent

AgentDiane Kraft
BrokeragePINE MTN LAKE REALTY

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