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22881 Biggar Lane, Covelo, CA, 95428

5beds
2baths
1,896sqft
$395,000
$208price/sqft
$3,483/moest. monthly cost
$139,320/yrincome needed

About This Home

This 5-bedroom, 2-bath Covelo home sits on nearly 2.5 acres and offers a solid foundation for those looking to create something special. Built in 1992, two septic systems, large shop with 200 amp service coming from PG&E. The property has RR zoning, meaning it can be used not only as a residence but may also allow for agricultural activities or other rural-based ventures. Imagine the possibilities with RR zoning: perhaps a mini orchard, a personal vineyard, or even a homestead oasis. With room to grow and your unique touches, this property can truly become a one-of-a-kind sanctuary. Whether you're considering a small-scale farm, a spacious garden, or just room to roam, this property's flexible zoning gives you options. Let your imagination wander what could you create in a space like this? The potential is limitless and just waiting for the right vision to bring it to life!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

1/10
2/10
Round Valley High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Laundry features: Hookups Only

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total structure area: 1,896
  • Total interior livable area: 1,896 sqft

Living Room

  • Level: Main

Property

Details

  • Parcel number: 0325702000
  • Special condition: Offer As Is

Features

  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 2.43 Acres
  • Features: Private

Parking

  • Total spaces: 2
  • Parking features: Detached,Open
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire

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 $1,997$23,964
Home Insurance *$606$7,272
Property Taxes $474$5,688
Electricity $406$4,878
Total$3,483$41,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,417/yr
40% on housing$104,490/yr
45% on housing$92,880/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 95428$88
Mendocino County$404

vs Homes Sold Last Month

Median $/sqft

ZIP 95428$91
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)

Price History

DateEventPrice
2025-10-20Listed for sale$445,000
2025-10-08Listing removed$445,000
2025-09-08Price change$445,000
2025-06-09Price change$455,000
2024-11-14Listed for sale$475,000
2021-02-24Sold$370,000
2020-01-29Sold$380,000
2019-10-07Pending sale$398,000
2019-07-24Price change$398,000
2019-04-12Price change$415,000
2018-12-04Price change$430,000
2018-06-07Price change$438,500
2018-02-06Listed for sale$446,000
2017-12-11Listing removed$448,500
2017-10-13Price change$448,500
2017-05-22Price change$453,000
2017-02-09Price change$465,000
2016-04-16Price change$469,000
2016-04-13Listed for sale$450,000

Pre-Foreclosure - For Sale by Agent

AgentCeleste C Rodriguez
BrokerageColdwell Banker Mendo Realty

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