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38120 Ocean Ridge Drive, Gualala, CA, 95445

2beds
3baths
1,712sqft
$699,000
$408price/sqft
$4,856/moest. monthly cost
$194,240/yrincome needed

About This Home

Charming coastal retreat located on the sunny Gualala Ridge, offering ocean views & sunsets from any of its 3 decks. The living room features Oak flooring, a hand-painted mural, & a stone fireplace that provides a warm, inviting atmosphere during cooler months. New 40 year roof. Updated kitchen with Cambria Quartz countertops, a glass tile backsplash,& ceramic tile floors. Main bedroom has an exquisite, recently renovated bathroom with glass countertops, double above-counter sinks, soaking tub, & direct deck access. The guest bedroom is equally inviting, with a walk-in closet and convenient bathroom access. The home also includes office space, with ample storage & fruitwood shelving. Outside is a tiered garden area, perfect for green-thumb enthusiasts, with plenty of space to grow & nurture plants. Just moments away, you'll find local amenities such as Bower Park, the Redwood Coast Recreation Center, Gualala Arts Center, and outdoor activities like kayaking along the Gualala River. The village of Gualala is nearby for shopping, dining, art galleries, & beach access at Gualala Point Regional Park. This well-maintained home is perfect for either full-time living or as a second home, offering the perfect balance of serenity & coastal beauty on the scenic Mendocino Coast.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Arena Elementary SchoolGrades K-811.7 mi
3/10
Point Arena High SchoolGrades 9-1212.0 mi

Construction

Condition

  • Year built: 1981

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Dishwasher,Electric Cooktop,Free-Standing Refrigerator,Microwave,Dryer,Washer
  • Laundry features: Inside Room

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Features: Shower Stall(s),Tile
  • Level: Lower

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Dining/Living Combo
  • Level: Main

Family Room

  • Features: Great Room

Features

  • Cathedral Ceiling(s),Formal Entry,Open Beam Ceiling,Storage
  • Window features: Window Coverings,Screens
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Raised Hearth,Stone,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Electric,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 1,712
  • Total interior livable area: 1,712 sqft

Kitchen

  • Features: Pantry Cabinet,Pantry Closet,Quartz Counter
  • Level: Main

Living Room

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

Master Bathroom

  • Features: Double Vanity,Tile,Tub w/Shower Over,Window

Master Bedroom

  • Features: Balcony,Outside Access,Walk-In Closet(s)
  • Level: Lower

Property

Details

  • Parcel number: 1442511300
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Stories: 3
  • Patio & porch: Deck
  • Fencing: Partial
  • Has view: Yes
  • View description: Ocean,Panoramic,Trees/Woods
  • Has water view: Yes
  • Water view: Ocean
  • Waterfront features: Stream Seasonal

Lot

  • Lot size: 0.41 Acres
  • Features: Garden,Landscape Misc,Low Maintenance,Secluded

Parking

  • Total spaces: 2
  • Parking features: No Garage,Paved,Shared Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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 $667$8,004
Electricity $398$4,786
Total$4,856$58,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,491/yr
40% on housing$145,680/yr
45% on housing$129,493/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

$408This 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
2026-03-15Price change$699,000
2025-12-17Price change$735,000
2025-11-01Listed for sale$749,000
2025-10-01Listing removed$729,000
2025-03-22Price change$729,000
2024-10-11Listed for sale$749,000
2011-08-12Sold$325,000
2011-06-29Price change$347,000
2011-05-26Price change$379,000
2011-04-28Price change$399,000
2011-02-07Price change$415,000
2010-10-08Price change$439,000
2010-08-27Listed for sale$469,000
2003-07-16Sold$380,000
2001-01-05Sold$144,500

For Sale by Agent

AgentPatty Bettega
BrokerageKennedy & Associates

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