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29905 Ten Mile Cut Off Road, Gualala, CA, 95445

1beds
1baths
864sqft
$465,000
$538price/sqft
$3,179/moest. monthly cost
$127,160/yrincome needed

About This Home

Nestled on 3 peaceful acres along the coastal ridge between Gualala and Point Arena, this charming property offers the perfect balance of privacy, sunshine, and convenience. Properties of this size do not come up often, offering just the right amount of land to enjoy without the upkeep of a larger property.The property consists of two legal parcels totaling approximately 3 acres. The home is situated on the front 1 acre parcel, while the adjoining 2 acre parcel (APN 027-481-18-00) provides additional usable space. Lovingly built by the sellers, the home features 1 bedroom, 1 bathroom, a loft, durable fiber cement siding, a metal roof, an expansive redwood deck, and an attached garage/flex space (approximately 238 sq. ft.). Large windows fill the home with natural light while overlooking the surrounding redwoods, and the spacious deck is the perfect place to enjoy your morning coffee, afternoon sunshine, or quiet evenings outdoors.Sunny open areas provide plenty of land for gardening, animals, or simply enjoying the outdoors. The circular driveway and generous parking areas make it easy to access every part of the property while providing ample room for boats, RVs, trailers, and other recreational vehicles. A 2 bedroom septic system may allow for future expansion (buyer to verify). The property is served by a private well and septic system and is located outside the Coastal Zone.Located less than 2 miles from the Garcia River and under 5 miles from Hearn Gulch Beach, you'll enjoy easy access to nature's recreation while returning home to one of the ridge's most desirable climates. Whether you're searching for a full time residence or a weekend getaway, this special property offers the opportunity to enjoy the peaceful coastal lifestyle that makes this stretch of the Mendocino Coast such a wonderful place to call home.

Getting Around

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

Schools

3/10
Arena Elementary SchoolGrades K-87.0 mi
3/10
Point Arena High SchoolGrades 9-127.4 mi

Construction

Materials

  • Foundation: Concrete,Slab
  • Roof: Metal
  • Construction materials: Concrete,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Oven,Free-Standing Gas Range,Free-Standing Refrigerator,Gas Plumbed,Dryer,Washer

Basement

  • Basement: None

Bathroom

  • Features: Fiberglass,Shower Stall(s)
  • Level: Upper

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Window features: Dual Pane Full,Screens
  • Flooring: Tile,See Remarks
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Features: Laminate Counters
  • Level: Main

Living Room

  • Features: Deck Attached
  • Level: Main

Property

Details

  • Parcel number: 0274811700
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 3 Acres
  • Features: Private,Secluded

Parking

  • Total spaces: 6
  • Parking features: Covered,Uncovered Parking Spaces 2+,Workshop in Garage,Unpaved
  • Has garage: Yes
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire
Drought

FEMA Declared Disasters in Mendocino 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 $2,351$28,212
Home Insurance *$171$2,052
Property Taxes $259$3,108
Electricity $398$4,786
Total$3,179$38,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,994/yr
40% on housing$95,370/yr
45% on housing$84,773/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: 13.5%
13.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$538This listing

vs Other Active Listings

Avg $/sqft

ZIP 95445$339
Mendocino County$404

vs Homes Sold Last Month

Median $/sqft

ZIP 95445$504
Mendocino County$344

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
2026-07-13Listed for sale$465,000
2026-07-09Pending sale$465,000
2026-06-28Listed for sale$465,000

For Sale by Agent

AgentElizabeth Kreck
BrokerageLuxe Places International

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