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16601 Peale Ln, Huntington Beach, CA, 92649

4beds
2baths
1,646sqft
$3,450,000
$2,096price/sqft
$21,516/moest. monthly cost
$860,640/yrincome needed

About This Home

This is an excellent opportunity for a buyer who wants to do a major remodel to a mid-century single story waterfront home (OR enlarge). This mostly Original Condition single story waterfront home on Gilbert Island has a single loaded street (homes on just one side of street), and it has a fantastic "sun in the back patio" location. The home features: 4 Bedrooms, 2 Bathrooms, 1646 Square Feet of Living Area, 55 Feet of Water Frontage, Side-tie Boat Dock configured to hold multiple boats (or could hold a yacht up to 53 feet with reconfiguration), private fenced front patio, 2 Car Garage, concrete rear patio, double pane windows, owned solar system, and 55’ X 100' Lot with the pierhead Line extending 30 feet out into the bay. Most waterfront homes have 50 feet (or less) of waterfrontage, so this home allows the opportunity to have a 5 foot larger yacht (LOA)... plus the bigger footprint allows for a home up to be larger than the typical 50X100 lot (based on lot coverage ratio). It is also just a 5 Block Stroll to the soft sands of Sunset Beach... so this waterfront home is also a "beach close" home! This is a fantastic prime location single story opportunity which comes along very rarely in Huntington Harbour.

Getting Around

43
WalkingCar-Dependent
31
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1964

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Microwave
  • Laundry features: Electric Dryer Hookup,In Garage

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Family Room

  • Features: Separate Family Room

Features

  • Breakfast Area,Granite Counters,All Bedrooms Down,Main Level Primary
  • Window features: Double Pane Windows
  • Fireplace features: Living Room,See Through
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,646 sqft

Kitchen

  • Features: Granite Counters

Master Bedroom

  • Features: Main Level Primary

Property

Accessibility

  • Accessibility features: See Remarks

Details

  • Parcel number: 17841134
  • Special condition: Third Party Approval,Trust

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Concrete,Deck,Patio
  • Exterior features: Dock
  • Spa features: None
  • Fencing: Block
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Canal Front,Dock Access,Navigable Water,Ocean Access,Seawall

Lot

  • Lot size: 5,500 sqft
  • Features: Rectangular Lot

Parking

  • Total spaces: 2
  • Parking features: Direct Access,Driveway Level,Door-Single,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Heat Wave
Inland Flooding
Tsunami

FEMA Declared Disasters in Orange County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Snowstorm
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 $17,445$209,340
Home Insurance *$445$5,340
Property Taxes $3,228$38,736
Electricity $398$4,786
Total$21,516$258,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$737,691/yr
40% on housing$645,480/yr
45% on housing$573,760/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$2,096This listing

vs Other Active Listings

Avg $/sqft

ZIP 92649$728
Orange County$768

vs Homes Sold Last Month

Median $/sqft

ZIP 92649$920
Orange County$707

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
2026-07-25Listed for sale$3,450,000

For Sale by Agent

AgentScot Campbell
BrokerageColdwell Banker-Campbell Rltrs

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