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40513 Saddleback Rd, Bass Lake, CA, 93604

2beds
2baths
1,124sqft
$320,000
$285price/sqft
$2,674/moest. monthly cost
$106,960/yrincome needed

About This Home

Cute Bass Lake cottage. This 2 bedroom ,2 bath place with fireplace, easy winter access, is a great place to just enjoy and relax. Easy maintenance gives you time to take in the natural beauty of BassLake. Investors - great rental area for full time rentals only. No short term rentals. Good commute area. Fresno is about one hour away, Yosemite toll booth is about 20 minutes. Mariposa , 45 minutes away. Priced right!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
6/10

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Concrete
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: F/S Range/Oven,Electric Appliances,Disposal,Dishwasher
  • Laundry features: Inside,Upper Level

Basement

  • Area: 0

Basement

  • Basement: None

Bathroom

  • Features: Tub/Shower, Shower

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Cooling

  • Cooling features: None

Dining Room

  • Features: Living Room/Area
  • Area: 0

Family Room

  • Area: 0

Interior Area

  • Total structure area: 1,124
  • Total interior livable area: 1,124 sqft

Kitchen

  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 059280009

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Uncovered,Deck

Lot

  • Lot size: 1,742 sqft
  • Features: Mountain,Mature Landscape,Synthetic Lawn

Parking

  • Parking features: RV Access/Parking,On Street
  • Has uncovered spaces: Yes

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
  • Landslide
    LandslideRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Landslide
Winter Weather
Drought
Earthquake
Heat Wave
Lightning

FEMA Declared Disasters in Madera 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 $1,618$19,416
Home Insurance *$202$2,424
Property Taxes $456$5,472
Electricity $398$4,786
Total$2,674$32,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,680/yr
40% on housing$80,220/yr
45% on housing$71,306/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 93604$554
Madera County$583

vs Homes Sold Last Month

Median $/sqft

ZIP 93604$332
Madera County$242

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)

Price History

DateEventPrice
2026-07-09Listed for sale$320,000
2020-12-21Sold$215,000
2020-11-04Listed for sale$215,000
2020-05-27Sold$195,000
2020-05-14Pending sale$195,000
2020-05-11Listed for sale$195,000
2020-04-08Listing removed$195,000
2020-03-13Listed for sale$195,000
2016-12-15Sold$166,000
2016-11-15Pending sale$174,500
2016-08-06Price change$174,500
2016-03-12Listed for sale$182,950
2015-11-30Listing removed$182,000
2015-07-24Listed for sale$182,000
2015-07-05Pending sale$182,000
2015-05-13Listed for sale$182,000
2000-10-12Sold$95,000

For Sale by Agent

AgentMacy Maginn
BrokerageYosemite West Real Estate, Inc

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