12140 E Highway 20 , Clearlake Oaks, CA 95423
$350,000
Est. Payment: $1,767.40/mo
3 Bed
3 Bath
1233 Sqft
Status: active | Days on site: 0
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Lakefront Charm, welcome to your own slice of Clear Lake waterfront, where expansive lake views, colorful sunsets, and distinctive outdoor spaces come together in a home filled with character and charm. Set on approximately 0.43 acres along the lakefront in Clearlake Oaks, this 3-bedroom, 3-bath property offers a wonderful opportunity to embrace the relaxed, year-round lifestyle that makes lake living so special. The main residence features 2 bedrooms and 2 bathrooms, with newer windows, HVAC, and roof adding comfort and peace of mind. Inside, updated fixtures and appliances complement the home’s inviting character, while large windows keep the ever-changing lake scenery front and center. Whether you are enjoying your morning coffee or watching the sun settle across the water, the views are always part of the experience. A detached guest studio provides a private third bedroom and bath, offering a welcoming space for family, friends, or guests. Outside, the enchanting collection of mature cactus landscaping, terraced gardens, and distinctive rockwork creates a one-of-a-kind setting with an old-world, desert-meets-lake feel. Multiple patios invite outdoor entertaining and relaxing, while the built-in outdoor fireplace adds warmth and ambiance. The expansive upper terrace, positioned above the attached two-car garage, provides another exceptional view to the lake and surrounding scenery. And then there is the lakefront itself. Step directly from the property toward the water and enjoy kayaking, paddle boarding, fishing, boating. A public boat launch is also conveniently located just minutes away. Whether you envision a full-time lake retreat, weekend escape, or vacation getaway, this special property offers something truly distinctive: front-row Clear Lake views, direct waterfront access, generous outdoor living spaces, and a personality all its own.

Highlights

Listed by Shelly Reed , 707-591-0570 W Real Estate , 707-591-0570. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.43

Year Built

1940

County

Lake

Area

LCOAK - Clearlake Oaks

School District

Konocti Unified

Listing ID

LC26174649

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Refrigerator
Air Cond:Central Air
Fireplaces:Living Room
Floor:Vinyl,Wood
Other:Ceiling Fan(s),High Ceilings,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:0-1 Unit/Acre,Landscaped,No Land Lease
Garage Capacity:2
Roof:Composition
Others:Updated/Remodeled,Wood Siding
Sewer:Public Sewer
Parking Features:Door-Multi,Driveway Level,Garage,Private
Principal Interest
$1,767
Taxes
$223

Home Price

$350,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$70,000
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:
$1,767.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,767.40 $223.13 $0.00 $1,990.52
Yearly $21,208.77 $2,677.50 $0.00 $23,886.27
Total $636,263.03 $80,325.00 $0.00 $716,588.03

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: 2026-08-11T00:38:43.000Z

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