




658 S Franklin St, Fort Bragg, CA, 95437
About This Home
Tucked quietly away behind South Franklin St., this unexpected property offers charm, flexibility and future potential. Hidden behind the street frontage buildings, the setting feels surprisingly private--yet it's moments from shopping, the hospital, and the Coastal Trail. At its heart are two charming one-bedroom, one-bath cottages built in 1944 and 1966 respectively. Each home is warmed by efficient propane Rinnai heaters, creating comfortable, cozy living spaces. Between the cottages, a fenced yard offers a shared outdoor space--perfect for a quiet morning coffee, a small garden, or simply enjoying the fresh coastal air. A separate freestanding storage building provides two 5'x12' units, adding value for tenants, owners, or business use. With 'CG' zoning, there is the potential to add up to two additional units without parking or capacity fees, making this an intriguing opportunity for expansion or income growth. The zoning also allows for a wide range of commercial uses, offering flexibility for those with a vision beyond residential housing. (Buyers should verify possibilities with the City of Fort Bragg). This is a property with character, convenience, and uncommon potential waiting for a new owner with vision to take it into the future.
Getting Around
Schools
Construction
Condition
- Year built: 1966
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Free-Standing Range,Refrigerator
- Laundry features: None
Bedroom
- Features: All Bedrooms Down
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- All Bedrooms Down
- Flooring: Carpet,Laminate,Vinyl
- Fireplace features: None
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Propane
- Cooling features: None
Interior Area
- Total interior livable area: 480 sqft
Property
Details
- Parcel number: 0180303100
- Zoning: CG, General Commercial
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Concrete
- Spa features: None
- Fencing: None
- Has view: Yes
- View description: None
Lot
- Lot size: 6,534 sqft
- Features: Sprinklers None
Parking
- Total spaces: 4
- Parking features: Off Street
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
- Earthquake
- Coastal Flooding
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Mendocino 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 | $1,972 | $23,664 |
| Home Insurance * | $112 | $1,344 |
| Property Taxes | $440 | $5,280 |
| Electricity | $398 | $4,786 |
| Total | $2,922 | $35,064 |
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 |
|---|---|---|
| 2026-03-26 | Listed for sale | $425,000 |
