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20602 Longridge Ct, Groveland, CA, 95321

5beds
3baths
2,793sqft
$1,195,000
$428price/sqft
$8,490/moest. monthly cost
$339,600/yrincome needed

About This Home

Welcome to lakefront living in Pine Mountain Lake. Nestled at the entrance to one of the lake’s serene fingers, this 5-bedroom, 2.5-bath home perfectly blends privacy, tranquility, and easy access to open water. The main level showcases breathtaking views of the lake and surrounding forest. Expansive windows fill the spacious living room, dining area, and kitchen with natural light, bringing the outdoors in. The primary suite is conveniently located on this level, providing easy single-level living, along with a 1/2 bath. Downstairs, four generously sized bedrooms, a full bath, and a versatile second living area offer the perfect space for a gathering room, game room, or multi-generational retreat. This flexible lower level is ideal for hosting guests, large families, or weekend lake escapes. Lake life shines here. Expansive decks on both levels provide multiple areas to relax, entertain, and soak in the stunning views. Your private dock gives effortless access to paddleboarding, kayaking, swimming, or boating. Tucked into a peaceful cove yet just a short paddle from open water, this property delivers the best of both worlds with over 170ft of waterfront. Offered fully furnished, this lakefront gem is ready and waiting for your family vacations or guests as soon as you are!

Getting Around

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

Schools

2/10
Tenaya Elementary SchoolGrades K-82.0 mi
--
Tioga High SchoolGrades 9-122.3 mi
--
Don Pedro High SchoolGrades 9-1213.7 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 2009

Materials

  • Construction materials: Other,Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Refrigerator,Dryer,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Dining Area,Storage,Breakfast Bar
  • Flooring: Laminate,Tile,Carpet,Other
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other,Propane,Central,Fireplace Insert
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,793
  • Total interior livable area: 2,793 sqft

Kitchen

  • Features: Breakfast Bar, Dishwasher, Disposal, Gas Range/Cooktop, Kitchen Island, Refrigerator, Other

Property

Details

  • Parcel number: 092290014000
  • Special condition: Standard
  • Other equipment: Other

Features

  • Levels: Two Story
  • Stories: 2
  • Pool features: None,Community
  • Exterior features: Back Yard,Front Yard,Side Yard,Yard Space

Lot

  • Lot size: 0.49 Acres
  • Features: Sloped Down,Landscaped

Parking

  • Parking features: None

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Earthquake
Heat Wave
Landslide
Lightning
Winter Weather

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 $6,042$72,504
Home Insurance *$748$8,976
Property Taxes $1,102$13,224
Electricity $598$7,187
Total$8,490$101,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$291,085/yr
40% on housing$254,700/yr
45% on housing$226,400/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

$428This listing

vs Other Active Listings

Avg $/sqft

ZIP 95321$264
Tuolumne County$241

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
2026-04-24Price change$1,239,000
2026-03-20Listed for sale$1,350,000
2004-01-29Sold$100,000

For Sale by Agent

AgentDiane Kraft
BrokeragePINE MTN LAKE REALTY

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