6304 E Highway 20, Lucerne, CA, 95458
About This Home
Unique investment opportunity in the heart of Lucerne! This sale includes two separate lots, one of which is an oversized double lot, offering plenty of space and future development potential. The property is zoned R-3 (Multi-Family Residential), creating numerous possibilities for investors, builders, or those seeking a lake-area retreat. Located at 6304 & 6312 E. Highway 20, this property sits directly across from beautiful Clear Lake, renowned as one of the nation's premier bass fishing destinations. The property features a small studio home and two storage units, providing immediate usability while you explore the property's full potential. A major bonus is the available utilities, with two water hookups and two sewer hookups available at the street, as well as an existing electric meter on the property, adding to the property's development opportunities. Enjoy lake views, convenient highway access, and a prime location close to shopping, dining, and outdoor recreation. Whether you're looking for an investment property, future development site, or a peaceful getaway near the lake, this unique offering is worth a look! Ask about the Seller Financing Option!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1965
Materials
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Eat-in Kitchen
- Window features: Double Pane Windows
- Flooring: Carpet,Laminate
- Fireplace features: None
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: None
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total interior livable area: 323 sqft
Property
Details
- Parcel number: 034193590000
- Zoning: R3
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: Front
- Pool features: None
- Spa features: None
- Fencing: Wire
- Has view: Yes
- View description: Lake,Mountain(s),Panoramic
- Has water view: Yes
- Water view: Lake
Lot
- Lot size: 0.28 Acres
- Features: 0-1 Unit/Acre
Parking
- Total spaces: 2
- Parking features: Uncovered
- Uncovered 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
- Inland Flooding
- Landslide
- Wildfire
- Avalanche
- Earthquake
- Volcanic Activity
How This Home’s Risks Compare
FEMA Declared Disasters in Lake County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $707 | $8,484 |
| Home Insurance * | $87 | $1,044 |
| Property Taxes | $83 | $996 |
| Electricity | $398 | $4,786 |
| Total | $1,275 | $15,300 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $139,900 |
| 2026-06-30 | Listed for sale | $149,900 |
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