




10523 E Highway 20, Clearlake Oaks, CA, 95423
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
Schools
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
- Wildfire
- Earthquake
- Landslide
- Avalanche
- Drought
- Volcanic Activity
How This Home’s Risks Compare
FEMA Declared Disasters in Lake County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,022 | $24,264 |
| Home Insurance * | $371 | $4,452 |
| Property Taxes | $379 | $4,548 |
| Electricity | $476 | $5,712 |
| Total | $3,248 | $38,976 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-09 | Listed for sale | $400,000 |
| 2016-03-24 | Sold | $349,000 |
| 2016-02-27 | Pending sale | $349,000 |
| 2015-11-17 | Listed for sale | $349,000 |
| 2010-12-14 | Listing removed | $895,000 |
| 2010-07-10 | Listed for sale | $895,000 |
| 2010-03-24 | Listing removed | $895,000 |
| 2009-09-05 | Listed for sale | $895,000 |
