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187 Oak Drive, San Rafael, CA, 94901

6beds
5baths
4,740sqft
$3,495,000
$737price/sqft
$23,933/moest. monthly cost
$957,320/yrincome needed

About This Home

Discover a rare bay front estate in coveted Bayside Acres, Marin County where waterfront luxury meets multi-generational living. This extraordinary beachfront home offers private water access and breathtaking 180-degree San Francisco Bay views from nearly every room. Floor-to-ceiling windows frame shimmering bay panoramas, creating an unmatched indoor-outdoor connection. Terraced gardens cascade to your private shoreline. An ADU with bay views and full kitchen anchors the bottom level, perfect for multi-generational living or investment opportunity. The main level features soaring 12-foot ceilings, expansive dining room, cozy den & gourmet chef's kitchen. Three spacious bay front bedrooms upstairs capture sweeping water views; a fourth bedroom opens to a private deck. The versatile lower-level great room includes a bedroom, full bath, wet bar & private entrance ideal for guests, plus on this level is a huge work from home office space. Whether seeking a luxury Bay Area waterfront home, a multi-family estate, or a once-in-a-lifetime Marin County beachfront retreat, this transformative property delivers it all.

Getting Around

20
WalkingCar-Dependent
0
TransitNo Nearby Transit
18
BikeSomewhat Bikeable

Schools

7/10
6/10
San Rafael High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1964

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Refrigerator,Dishwasher,Free-Standing Gas Range,Range Hood,Wine Refrigerator
  • Laundry features: Inside Room

Basement

  • Basement: Finished

Bathroom

  • Level: Lower,Main,Upper

Bedroom

  • Level: Lower,Upper

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Features: Formal Area
  • Level: Main

Family Room

  • Features: Deck Attached,View

Features

  • Formal Entry,Open Beam Ceiling,Storage
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 3
  • Fireplace features: Insert
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace Insert
  • Cooling features: Other

Interior Area

  • Total structure area: 4,740
  • Total interior livable area: 4,740 sqft

Kitchen

  • Features: Breakfast Area,Pantry Closet,Stone Counters
  • Level: Main

Living Room

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

Master Bathroom

  • Features: Soaking Tub

Master Bedroom

  • Features: Walk-In Closet 2+
  • Level: Upper

Property

Details

  • Parcel number: 18615335
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Bay,Bay Bridge,Bridge(s),City Lights,Marina,Panoramic,Water
  • Has water view: Yes
  • Water view: Bay,Marina,Water

Lot

  • Lot size: 0.37 Acres
  • Features: Private,See Remarks

Parking

  • Total spaces: 4
  • Parking features: No Garage

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Earthquake
Landslide
Tsunami

FEMA Declared Disasters in Marin County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
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 $17,672$212,064
Home Insurance *$686$8,232
Property Taxes $4,559$54,708
Electricity $1,016$12,197
Total$23,933$287,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$820,560/yr
40% on housing$717,990/yr
45% on housing$638,213/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$737This listing

vs Other Active Listings

Avg $/sqft

ZIP 94901$607
Marin County$773

vs Homes Sold Last Month

Median $/sqft

ZIP 94901$672
Marin County$805

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
2026-06-17Listed for sale$3,495,000
2011-04-07Listing removed$2,198,000
2010-04-09Listed for sale$2,198,000

For Sale by Agent

AgentJulie Widergren
BrokerageColdwell Banker Realty

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