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28990 Eel River Ranch Road, Covelo, CA, 95428

1beds
1baths
600sqft
$99,000
$165price/sqft
$1,142/moest. monthly cost
$45,680/yrincome needed

About This Home

Tucked away in the heart of Mendocino County, this 9.33-acre mountain property offers peace, privacy, and potential. The cozy 1-bedroom, 1-bathroom cabin is ready for your personal touch and some TLC to transform it into your own piece of paradise. A finicky well, greenhouse, and established garden areas provide the foundation for self-sufficient living. The land features a mix of trees and open space, perfect for enjoying nature and creating your dream homestead. Conveniently located with just a short drive to Covelo for all your necessities, this property combines seclusion with accessibility.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

1/10
2/10
Round Valley High SchoolGrades 9-126.2 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 600
  • Total interior livable area: 600 sqft

Living Room

  • Level: Main

Property

Details

  • Parcel number: 0341421400
  • Special condition: Offer As Is

Features

  • Stories: 1

Lot

  • Lot size: 9.33 Acres
  • Features: Garden,Private

Parking

  • Total spaces: 2
  • Parking features: Uncovered Parking 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 $500$6,000
Home Insurance *$152$1,824
Property Taxes $92$1,104
Electricity $398$4,786
Total$1,142$13,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,154/yr
40% on housing$34,260/yr
45% on housing$30,453/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

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 95428$105
Mendocino County$405

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)

No zestimate history available

Price History

DateEventPrice
2025-09-08Listed for sale$99,000
2014-02-12Sold$140,000
2005-05-13Sold$168,500

For Sale by Agent

AgentJason E Wolf
BrokerageSummit Realty

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