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131 Ryan Rd, Lakeport, CA, 95453

4beds
3baths
2,212sqft
$679,000
$307price/sqft
$4,631/moest. monthly cost
$185,240/yrincome needed

About This Home

Welcome to this exceptional 2bd/2ba custom 1636 sq ft residence with a large office/den AND a detached 576 sq ft guest house! Set on a beautifully landscaped and private 1.35-acre parcel, this home is designed for comfort, entertaining, and resort-style living! From the moment you arrive, the property offers a rare sense of retreat, with lush grounds, manicured flower beds, shaded lawn areas, and expansive outdoor spaces that invite both relaxation and memorable gatherings. The backyard is a truly private oasis, featuring a sparkling in-ground pool, covered rear porch, additional brick patio, raised garden beds, and generous open areas that are ideal for entertaining on any scale. The cheerful covered front porch invites you inside to the open and airy living area filled with natural light, abundant windows, and a striking stone fireplace with a gas stove insert. The open-concept kitchen is spacious and connected to the main living areas, which features a breakfast bar, island and lots of cabinet space. The primary suite has its own bathroom featuring dual sinks and a spacious beautifully tiled shower with bench seating. Mirrored closet doors, beautiful laminate flooring, and a large sliding glass door leading directly to the covered back deck and pool area create a seamless connection between indoor comfort and outdoor luxury. The detached 576-square-foot guest quarters are beautifully appointed with a kitchenette, bedroom area, luxurious bath, generous closet space, skylights for natural light, and a mini-split system for year-round comfort—ideal for extended family, overnight guests, rental potential, or a private studio space. Additional amenities include an attached two-car garage, carport, and a dedicated workshop that is connected to the guest quarters building. A portable backup generator and two large sheds for storage are also included.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

3/10
2/10
Terrace SchoolGrades 5-83.6 mi
5/10
Clear Lake High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 1990

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Electric Water Heater,Disposal,Ice Maker,Microwave,Water To Refrigerator
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathtub,Dual Sinks,Enclosed Toilet,Full Bath on Main Level,Stone Counters,Separate Shower,Tub Shower,Walk-In Shower

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Breakfast Bar,Eat-in Kitchen,Living Room Deck Attached,Open Floorplan,Recessed Lighting,Storage,Tile Counters,All Bedrooms Down,Bedroom on Main Level,Main Level Primary,Workshop
  • Fireplace features: Blower Fan,Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,See Remarks
  • Cooling features: Central Air,Ductless,Electric,Gas

Interior Area

  • Total interior livable area: 2,212 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo

Master Bedroom

  • Features: Main Level Primary

Property

Details

  • Parcel number: 082081200
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Private pool: Yes
  • Pool features: In Ground,Pool Cover,Private
  • Patio & porch: Rear Porch,Covered,Deck,Front Porch
  • Has view: Yes
  • View description: Pasture

Lot

  • Lot size: 1.35 Acres
  • Features: 2-5 Units/Acre,Back Yard,Cul-De-Sac,Garden,Gentle Sloping,Irregular Lot,Landscaped,Level,Trees

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Carport,Direct Access,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Avalanche
    AvalancheModerate
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Avalanche
Drought
Landslide
Volcanic Activity

FEMA Declared Disasters in Lake 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 $3,433$41,196
Home Insurance *$317$3,804
Property Taxes $407$4,884
Electricity $474$5,692
Total$4,631$55,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,777/yr
40% on housing$138,930/yr
45% on housing$123,493/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: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$307This listing

vs Other Active Listings

Avg $/sqft

ZIP 95453$209
Lake County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 95453$215
Lake County$189

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
2026-08-12Contingent$679,000
2026-07-08Price change$679,000
2026-06-23Listed for sale$699,000

For Sale by Agent

AgentYvonne Wicks
BrokerageCity Center Realty

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