10523 E Highway 20 , Clearlake Oaks, CA 95423
$400,000
Est. Payment: $2,019.88/mo
4 Bed
4 Bath
2220 Sqft
Status: active | Days on site: 20
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House Description

Premier Lakefront Fixer Opportunity on Clear Lake – Panoramic Views & Major Upgrades Started. Located along the shoreline of Clear Lake in the Clearlake Oaks area, this three-level lakefront property presents an exceptional opportunity to complete a large-scale renovation and create a stunning custom waterfront retreat. Set on a spacious, park-like parcel with a concrete seawall, private boat dock, and boat lift, the property captures sweeping panoramic views of Clear Lake, Mt. Konocti, Mt. Hannah, Cobb Mountain, and Seigler Mountain—a truly inspiring setting from sunrise to sunset. Originally designed as a 4-bedroom, 4-bath home with approximately 3,000 sq ft (per seller), the structure already reflects significant investment and vision, with many upgrades completed and others ready for finishing. Property Highlights & Completed Improvements: Plumbed for a tankless HW system. Three-level layout offering flexible living spaces. Stucco exterior with fresh exterior paint, Dual-pane windows and multiple sliding glass doors, Recessed LED (canned) lighting installed throughout (unfinished electrical), Expanded seawall with added fill, enhancing backyard and patio usability, Cobblestone-style patio accented with decorative red lava rock, Partial wraparound wood decking, Pebbly beach area for easy lake access. Main Level: Entry-level living room area, Kitchen area already plumbed and centrally located, Dining area positioned to capture dramatic lake and mountain views, Sliding glass doors leading to deck, Quarter bathroom with sink and commode. Upper Level: Four bedrooms and three bathrooms, including a spacious primary suite. Primary bedroom area features large windows showcasing expansive lake views, a walk-in closet, and an unfinished master bathroom with a walk-in steam shower. Second bedroom includes a private bathroom with space for a tub/shower, Two additional front-facing bedrooms (one without a closet), Additional bathroom with separate water closet and shower area. Lower Level: Versatile space ideal for a media room, game room, or additional sleeping quarters with built-in bunk bed area also has large 6ft electric fire place. Large sliding glass doors opening to the backyard and lakefront. Additional storage area.

Highlights

Listed by Rick White , 707-262-1338 Konocti Realty , 707-262-1338. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.36

Year Built

1965

County

Lake

Area

LCOAK - Clearlake Oaks

School District

Konocti Unified

Listing ID

LC26071179

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
  • 1/4 Bathrooms:1
Other:See Remarks,All Bedrooms Up
Other:Public

Exterior Features

Lot:Back Yard,Front Yard,Street Level,Trees,No Land Lease
Garage Capacity:2
Zoning:CR
Roof:Composition,Shingle
Others:Awning(s),Dock,Fixer,Drywall,Concrete,Stucco
Sewer:Septic Tank
Parking Features:Door-Single,Driveway,Garage Faces Front,Garage,Paved
Principal Interest
$2,020
Taxes
$255

Home Price

$400,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$80,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,019.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,019.88 $255.00 $0.00 $2,274.88
Yearly $24,238.59 $3,060.00 $0.00 $27,298.59
Total $727,157.74 $91,800.00 $0.00 $818,957.74

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Clearlake Oaks, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T22:37:46.000Z

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