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12778 Highway 26, Mokelumne Hill, CA, 95245

2beds
2baths
1,600sqft
$1,525,000
$953price/sqft
$9,873/moest. monthly cost
$394,920/yrincome needed

About This Home

Set in the heart of California's historic Gold Rush country, this expansive Calaveras County ranch combines working-ranch utility, scenic foothill beauty, and exceptional long-term potential. The ranch is comprised of four connected legal parcels totaling 230 acres, creating a rare blend of scale, flexibility, and usability. With three separate access roads, the property offers convenient entry points for ranch operations, equipment movement, future improvements, or potential multi-site use where permitted. The front acreage is organized into fenced pastures, while the back portion of the ranch offers additional open ground, internal roads, elevated view areas, and natural terrain that continues to be maintained and cleared by grazing goats. Existing roads, fencing, usable pads, and hilltop building sites provide a strong head start for a future estate, family compound, retreat, or continued working-ranch operation. The two 1,800-square-foot steel workshops add significant utility for a working ranch, hobby operation, contractor, car enthusiast, or owner-builder. One shop is configured as an auto and equipment workspace with a hydraulic in-ground lift, metal shelving, office area, doors at both ends. The second shop provides dry storage, with mostly dry-walled interiors and separate rooms that could serve as storage, office space, tack, feed, tool, or flexible utility areas. The updated residence features simulated wood flooring, refreshed cabinetry, updated appliances, an open living area, two bedrooms, and two bathrooms. Outdoor living spaces include a back deck, a side patio with expansive views, and a covered picnic and beer-garden area with space for brewing. Beyond its natural beauty, this property offers something truly rare: a direct connection to California's gold rush. Situated in historic Rich Gulch, the land lies within documented underground gold mine workings and placer gold mining. Water is provided by Calaveras Public utility District. A private well next to the residence has a new pump replaced in 2023 however the final plumbing and electrical connections remain disconnected. A seasonal creek that runs through the property and is fed by a number of year round springs on the property, two of which are captured in a historic spring catchment box. The property elevation ranges from 1700-2100 feet, ideal in all seasons with only occasional light snow in winter.

Getting Around

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

Schools

5/10
Calaveras High SchoolGrades 8-129.3 mi
3/10
Toyon Middle SchoolGrades 6-810.4 mi

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Pillar/Post/Pier,Raised
  • Roof: See Remarks,Other
  • Construction materials: Floor Insulation,Wood Siding,Other

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Free-Standing Refrigerator,Gas Cooktop,Dishwasher,Microwave
  • Laundry features: Other

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Area

Features

  • Flooring: Simulated Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Free Standing,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Wood Stove
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,600 sqft

Kitchen

  • Features: Kitchen Island,Natural Woodwork

Master Bathroom

  • Features: Bidet,Shower Stall(s),Double Vanity,Sitting Area,Tub

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Zoning: AP
  • Special condition: Standard
  • Horse amenities: Arena,Pasture,Riding Trail,Trailer Storage,Fenced,Hay Storage

Features

  • Levels: One
  • Stories: 1
  • Fencing: Barbed Wire,Cross Fenced,Wire,Entry Gate,Fenced,Gated Driveway/Sidewalks
  • Topography of land: Rolling,Hillside,Lot Grade Varies,Trees Many,Rolling,Hillside,Lot Grade Varies,Trees Many
  • Horses can be raised: Yes

Lot

  • Lot size: 230 Acres
  • Features: Stream Year Round

Parking

  • Total spaces: 20
  • Parking features: Uncovered Parking Spaces 2+,Mechanical Lift,Gated,Upslope Driveway/Sidewalks
  • Has uncovered spaces: Yes
  • Uncovered spaces: 20

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
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Heat Wave
Inland Flooding
Lightning
Drought
Landslide

FEMA Declared Disasters in Calaveras County and California

Earthquake
Fire
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 $7,711$92,532
Home Insurance *$862$10,344
Property Taxes $902$10,824
Electricity $398$4,786
Total$9,873$118,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$338,502/yr
40% on housing$296,190/yr
45% on housing$263,280/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: 18.3%
18.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$953This listing

vs Other Active Listings

Avg $/sqft

ZIP 95245$184
Calaveras County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 95245
Calaveras County$274

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)

No zestimate history available

Price History

DateEventPrice
2026-07-29Listed for sale$1,525,000
2013-12-17Sold$350,000

For Sale by Agent

AgentCindy Pederson
BrokerageCentury 21 Tri-Dam Realty

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