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431 Ponderosa Cir, Lake Almanor, CA, 96137

3beds
2baths
1,932sqft
$429,000
$222price/sqft
$3,242/moest. monthly cost
$129,680/yrincome needed

About This Home

Nestled in the Pines neighborhood of Lake Almanor, this 3-bedroom, 2-bath home offers 1,932 sq ft of inviting living space. Freshened up and ready for new ownership, the home highlights its authentic cabin charm and warmth. A great opportunity to enjoy the mountain lifestyle today or bring your vision to update and personalize. Fully Fenced back yard and out door sun room ready for a spa with 220 wiring. Full of cozy character and classic mountain charm, it’s ideal as a full-time residence or a relaxing getaway.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete Perimeter,Poured
  • Roof: Metal
  • Construction materials: Unknown,Wood Siding,Stick Built

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Refrigerator,Washer,Propane Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Open Beams/Beamed Ceailings,Other,Tub Shower,Vaulted Ceiling(s),Window Treatments,Entrance Foyer
  • Flooring: Carpet,Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Oil,Wall Furnace
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total interior livable area: 1,932 sqft

Property

Details

  • Parcel number: 104361008

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Deck
  • Has view: Yes
  • View description: Scenic
  • Topography of land: Sloping
  • Residential vegetation: Mixed

Lot

  • Lot size: 0.57 Acres
  • Features: Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Off Street
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Lightning
Winter Weather
Landslide

FEMA Declared Disasters in Plumas 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 $2,169$26,028
Home Insurance *$331$3,972
Property Taxes $328$3,936
Electricity $414$4,971
Total$3,242$38,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,154/yr
40% on housing$97,260/yr
45% on housing$86,453/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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 96137$300
Plumas County$272

vs Homes Sold Last Month

Median $/sqft

ZIP 96137
Plumas County$252

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
2026-04-17Listed for sale$449,000
2025-10-06Listing removed$465,500
2025-07-18Price change$465,500
2025-06-22Price change$479,000
2025-06-07Listed for sale$485,000
2024-10-20Listing removed$475,000
2024-07-04Listed for sale$475,000
2023-10-12Listing removed$474,000
2023-07-13Price change$474,000
2023-05-19Listed for sale$479,000
2021-10-19Listing removed--
2021-09-21Listed for sale$439,000
2021-07-31Pending sale$439,000
2021-07-23Price change$439,000
2021-04-26Listed for sale$395,000
2019-09-24Listing removed$345,000
2019-08-02Price change$345,000
2019-06-11Listed for sale$349,000
2018-07-30Listing removed$299,000
2018-07-16Price change$299,000
2018-05-21Listed for sale$305,000
2017-10-31Listing removed$299,000
2017-08-02Listed for sale$299,000
2011-07-22Sold$169,500
2005-09-12Sold$365,000

For Sale by Agent

AgentJUDITH FINKBEINER
BrokerageBERKSHIRE HATHAWAY HOMESERVICES LAKE ALMANOR RE

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