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658 S Franklin St, Fort Bragg, CA, 95437

1beds
1baths
480sqft
$390,000
$813price/sqft
$2,922/moest. monthly cost
$116,880/yrincome needed

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

71
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

--
3/10
Fort Bragg Middle SchoolGrades 6-80.4 mi
5/10
Fort Bragg High SchoolGrades 9-120.9 mi

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
    EarthquakeVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Inland Flooding

FEMA Declared Disasters in Mendocino 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 $1,972$23,664
Home Insurance *$112$1,344
Property Taxes $440$5,280
Electricity $398$4,786
Total$2,922$35,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,182/yr
40% on housing$87,660/yr
45% on housing$77,920/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: 13.5%
13.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$813This listing

vs Other Active Listings

Avg $/sqft

ZIP 95437$298
Mendocino County$404

vs Homes Sold Last Month

Median $/sqft

ZIP 95437$400
Mendocino County$344

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
2026-03-26Listed for sale$425,000

For Sale by Agent

AgentMichelle Deering
BrokerageCentury 21 Fort Bragg Realty

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