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12022 E Highway 20, Clearlake Oaks, CA, 95423

2beds
2baths
1,344sqft
$185,000
$138price/sqft
$1,689/moest. monthly cost
$67,560/yrincome needed

About This Home

Enjoy panoramic Clear Lake views from this well-maintained 2-bedroom, 2-bath manufactured home situated on approximately .22 acres in Clearlake Oaks. Located directly across the street from the lake, this property offers the perfect blend of comfort, accessibility, and outdoor living. The terraced yard features multiple sitting and entertaining areas, a hot tub, storage sheds, and a covered carport, all designed to take advantage of the spectacular lake views. Wheelchair ramps provide added accessibility. Inside, the spacious floor plan includes a large kitchen with abundant cabinetry, an adjoining dining area, a bright living room with lake views, indoor laundry, and a comfortable primary suite. Whether you're looking for a full-time residence, weekend retreat, or investment property, you'll love the location. Enjoy world-renowned bass fishing, boating, kayaking, swimming, and year-round recreation on California's largest natural freshwater lake. Nearby wineries, tasting rooms, hiking trails, state parks, restaurants, and local events make Lake County an exceptional place to live and play. Experience affordable lake living with breathtaking views and endless opportunities for outdoor adventure just steps from your front door.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
3/10
Lower Lake High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: None
  • Roof: Composition

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Refrigerator
  • Laundry features: Laundry Room

Bathroom

  • Features: Bathtub,Tub Shower

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Separate/Formal Dining Room,All Bedrooms Down,Bedroom on Main Level,Main Level Primary,Primary Suite
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: Free Standing
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 1,344 sqft

Master Bedroom

  • Features: Main Level Primary

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 0350922000
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Awning(s)
  • Fencing: Average Condition
  • Has view: Yes
  • View description: Hills,Lake,Mountain(s),Panoramic,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • Waterfront features: Across the Road from Lake/Ocean

Lot

  • Lot size: 9,583 sqft
  • Features: Front Yard,Garden,Landscaped,Sloped Up

Parking

  • Parking features: Driveway

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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Volcanic Activity

FEMA Declared Disasters in Lake County and California

Earthquake
Fire
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 $935$11,220
Home Insurance *$171$2,052
Property Taxes $185$2,220
Electricity $398$4,786
Total$1,689$20,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,908/yr
40% on housing$50,670/yr
45% on housing$45,040/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: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 95423$134
Lake County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 95423$175
Lake County$189

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
2026-07-17Listed for sale$185,000

For Sale by Agent

AgentSusan Joyner
BrokerageSusan Joyner, Broker

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