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10523 E Highway 20, Clearlake Oaks, CA, 95423

4beds
4baths
2,220sqft
$400,000
$180price/sqft
$3,248/moest. monthly cost
$129,920/yrincome needed

About This Home

Premier Lakefront Fixer Opportunity on Clear Lake – Panoramic Views & Major Upgrades Started. Located along the shoreline of Clear Lake in the Clearlake Oaks area, this three-level lakefront property presents an exceptional opportunity to complete a large-scale renovation and create a stunning custom waterfront retreat. Set on a spacious, park-like parcel with a concrete seawall, private boat dock, and boat lift, the property captures sweeping panoramic views of Clear Lake, Mt. Konocti, Mt. Hannah, Cobb Mountain, and Seigler Mountain—a truly inspiring setting from sunrise to sunset. Originally designed as a 4-bedroom, 4-bath home with approximately 3,000 sq ft (per seller), the structure already reflects significant investment and vision, with many upgrades completed and others ready for finishing. Property Highlights & Completed Improvements: Plumbed for a tankless HW system. Three-level layout offering flexible living spaces. Stucco exterior with fresh exterior paint, Dual-pane windows and multiple sliding glass doors, Recessed LED (canned) lighting installed throughout (unfinished electrical), Expanded seawall with added fill, enhancing backyard and patio usability, Cobblestone-style patio accented with decorative red lava rock, Partial wraparound wood decking, Pebbly beach area for easy lake access. Main Level: Entry-level living room area, Kitchen area already plumbed and centrally located, Dining area positioned to capture dramatic lake and mountain views, Sliding glass doors leading to deck, Quarter bathroom with sink and commode. Upper Level: Four bedrooms and three bathrooms, including a spacious primary suite. Primary bedroom area features large windows showcasing expansive lake views, a walk-in closet, and an unfinished master bathroom with a walk-in steam shower. Second bedroom includes a private bathroom with space for a tub/shower, Two additional front-facing bedrooms (one without a closet), Additional bathroom with separate water closet and shower area. Lower Level: Versatile space ideal for a media room, game room, or additional sleeping quarters with built-in bunk bed area also has large 6ft electric fire place. Large sliding glass doors opening to the backyard and lakefront. Additional storage area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
3/10
Lower Lake High SchoolGrades 8-129.4 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1965

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition,Shingle
  • Construction materials: Drywall,Concrete,Stucco

Type & Style

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

Interior

Appliances

  • Laundry features: None

Bathroom

  • Features: Low Flow Plumbing Fixtures,Walk-In Shower

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • 1/4 bathrooms: 1
  • Main level bathrooms: 1

Features

  • See Remarks,All Bedrooms Up
  • Door features: Sliding Doors
  • Window features: Double Pane Windows
  • Fireplace features: Bonus Room,Electric
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,220 sqft

Property

Accessibility

  • Accessibility features: See Remarks,Accessible Doors

Details

  • Parcel number: 035523070000
  • Zoning: CR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Deck,See Remarks,Wood
  • Exterior features: Awning(s),Dock
  • Spa features: None
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Hills,Lake,Mountain(s),Panoramic,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Dock Access,Lake,Lake Front,Seawall

Lot

  • Lot size: 0.36 Acres
  • Features: Back Yard,Front Yard,Street Level,Trees

Parking

  • Total spaces: 2
  • Parking features: Door-Single,Driveway,Garage Faces Front,Garage,Paved
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Avalanche
    AvalancheModerate
  • Drought
    DroughtModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Landslide
Avalanche
Drought
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 $2,022$24,264
Home Insurance *$371$4,452
Property Taxes $379$4,548
Electricity $476$5,712
Total$3,248$38,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,360/yr
40% on housing$97,440/yr
45% on housing$86,613/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

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 95423$130
Lake County$182

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
2026-04-09Listed for sale$400,000
2016-03-24Sold$349,000
2016-02-27Pending sale$349,000
2015-11-17Listed for sale$349,000
2010-12-14Listing removed$895,000
2010-07-10Listed for sale$895,000
2010-03-24Listing removed$895,000
2009-09-05Listed for sale$895,000

For Sale by Agent

AgentRick White
BrokerageKonocti Realty

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