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19725 State Highway 120, Groveland, CA, 95321

4beds
2baths
1,304sqft
$359,000
$275price/sqft
$2,622/moest. monthly cost
$104,880/yrincome needed

About This Home

Turn-key mountain retreat & income-producing short-term rental opportunity in Groveland! Boasting an incredible opportunity to own a mountain getaway that subsidizes its own cost of ownership, this fully modernized cabin features NO HOA FEES, maximizing your rental potential. Meticulously updated for efficiency and comfort, the home features brand-new carpet, fresh paint, and mini-split HVAC systems in all rooms for year-round comfort. High-ticket upgrades include a premium Honeywell backup generator, a brand-new water heater, and floorboard insulation underneath the home. The electrical has been completely updated with new plug-ins and outlets. Outside, the property has been professionally cleared to create beautiful, usable land. This property is 100% turnkey and ready to host from day onefurniture can even be negotiated into the purchase price! Perfect for a buyer wanting a private retreat that actively helps pay for itself through established Airbnb revenue. Schedule your tour today!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
Tenaya Elementary SchoolGrades K-80.5 mi
--
Tioga High SchoolGrades 9-122.0 mi
--
Don Pedro High SchoolGrades 9-1212.4 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Ductless,Floor Furnace
  • Cooling features: Ductless

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,304 sqft

Kitchen

  • Features: Granite Counters

Property

Details

  • Zoning: r1
  • Special condition: Standard

Features

  • Topography of land: Lot Sloped,Trees Many,Lot Sloped,Trees Many

Lot

  • Lot size: 0.62 Acres
  • Features: See Remarks

Parking

  • Parking features: No Garage,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

  • Wildfire
    WildfireVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Tuolumne 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 $1,815$21,780
Home Insurance *$224$2,688
Property Taxes $185$2,220
Electricity $398$4,786
Total$2,622$31,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,897/yr
40% on housing$78,660/yr
45% on housing$69,920/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: 18.5%
18.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 95321$275
Tuolumne County$243

vs Homes Sold Last Month

Median $/sqft

ZIP 95321$188
Tuolumne County$258

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
2026-05-21Listed for sale$359,000
2025-10-01Listing removed$375,000
2025-06-18Listed for sale$375,000
2025-06-17Listing removed$398,999
2025-04-28Price change$398,999
2025-03-14Price change$399,999
2025-01-24Listed for sale$405,000

For Sale by Agent

AgentJoanna Esparza
BrokerageeXp Realty of California Inc.

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