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73046 Hill Road, Covelo, CA, 95428

1beds
1baths
500sqft
$130,000
$260price/sqft
$1,326/moest. monthly cost
$53,040/yrincome needed

About This Home

24 acres with a cabin, plentiful spring water, sunny garden sites, beautiful views, and the middle fork of the Eel river just down the road. Explore along the ridge with sunny southern exposure, multiple building or gardening areas and peek-a-boo views to the river, or drop down into the shady forest along the developed road system to a unique cabin with spiral staircase to upper bedroom. Cabin has kitchen and bathroom with septic system, and there is a developed spring. With clean up and repairs this property has everything you need for a secluded country get-away retreat near the river, with the convenience of being under 20 minutes from town. There is an adjacent 65 acre lot available as well that goes across the river its is MLS#36019097. Owner is motivated and willing to carry a note with sufficient down payment.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

1/10
2/10
Round Valley High SchoolGrades 9-125.0 mi

Construction

Type & Style

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

Interior

Appliances

  • Laundry features: No Hookups

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Open Beam Ceiling

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 500
  • Total interior livable area: 500 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 0343600200
  • Special condition: Offer As Is

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Gate
  • Has view: Yes
  • View description: Forest,Mountain(s),River,Trees/Woods
  • Has water view: Yes
  • Water view: River

Lot

  • Lot size: 24 Acres
  • Features: Garden,Secluded

Parking

  • Total spaces: 6
  • Parking features: No Garage,Gravel,Unpaved

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 $657$7,884
Home Insurance *$199$2,388
Property Taxes $72$864
Electricity $398$4,786
Total$1,326$15,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,462/yr
40% on housing$39,780/yr
45% on housing$35,360/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

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 95428$103
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
2026-04-10Price change$135,000
2026-03-10Listed for sale$169,000
2026-02-03Listing removed$169,000
2025-08-06Listed for sale$169,000
2025-04-22Listing removed$179,000
2024-11-08Listed for sale$179,000
2024-08-17Listing removed$199,000
2023-09-20Listed for sale$199,000

For Sale by Agent

AgentErin Hoaglen
BrokerageLuxe Places International R

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