See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

46650 Fish Rock Road, Gualala, CA, 95445

3beds
2baths
1,792sqft
$699,000
$390price/sqft
$4,866/moest. monthly cost
$194,640/yrincome needed

About This Home

Updated coastal Chalet on a level 1 acre in Anchor Bay's sunny "Banana Belt", just a short drive from Anchor Bay Beach and Village. The primary level offers a sun filled open living area with ocean view windows, kitchen and full bath; a small staircase leads to a cozy sleeping loft. The ground level features two bedrooms with exterior sliders, a full bath, laundry, and a partial kitchen/family area ideal for guests or multi-generational living. The property is framed by beautiful redwood forest and includes a well house & 3,000 gl water tank, storage shed and greenhouse. Enjoy peaceful coastal living with an ocean glimpse from the large west facing deck, easy access to nearby beaches, shops and dining.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

3/10
Arena Elementary SchoolGrades K-89.2 mi
3/10
Point Arena High SchoolGrades 9-129.5 mi

Construction

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Free-Standing Refrigerator,Other,Dryer,Washer
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bathroom

  • Level: Lower,Main

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo

Family Room

  • Features: Cathedral/Vaulted,Deck Attached,Open Beam Ceiling,View
  • Level: Main

Features

  • Cathedral Ceiling(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Kitchen

  • Features: Kitchen/Family Combo,Laminate Counters
  • Level: Main

Living Room

  • Features: Other
  • Level: Lower

Property

Details

  • Parcel number: 1431701500
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Front Porch
  • Exterior features: Balcony
  • Fencing: Partial,Wire
  • Has view: Yes
  • View description: Forest,Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 1.04 Acres
  • Features: Garden,Shape Regular

Parking

  • Total spaces: 5
  • Parking features: Unassigned,Gravel,Level

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire
Drought

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 $3,534$42,408
Home Insurance *$257$3,084
Property Taxes $677$8,124
Electricity $398$4,786
Total$4,866$58,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,834/yr
40% on housing$145,980/yr
45% on housing$129,760/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

$390This listing

vs Other Active Listings

Avg $/sqft

ZIP 95445$323
Mendocino County$403

vs Homes Sold Last Month

Median $/sqft

ZIP 95445$504
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
2026-04-05Listed for sale$725,000
2019-11-15Sold$280,000
2019-10-15Listed for sale$299,000
2019-10-07Pending sale$299,000
2019-02-27Price change$299,000
2018-08-28Pending sale$325,000
2018-08-08Listed for sale$325,000

For Sale by Agent

AgentCassie Henderson
BrokerageIntero Real Estate Services

Similar Homes