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12140 East Highway 20, Clearlake Oaks, CA 95423

$339K3bd · 3ba · 1,233 sqft
Lot 0 sqft•Single Family Residence•
Active
•65d on market•MLS# LC-26174649

Property 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.

Features & Amenities

FeeBuilt 1940

Property Details

Land Type
Fee
Year Built
1940
Property Type
Residential
Property Subtype
Single Family Residence
Parking Spaces
2
Garage Spaces
2
Heating
Central
Cooling
Central Air
View
Lake, Mountain(s), Panoramic, Water
Flooring
Vinyl, Wood
Roof
Composition
City
Clearlake Oaks
Zip Code
95423
County
Lake
Listed byW Real Estate, Shelly M Reed

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$1,714.17
Principal & Interest
Loan Amount
$271,200
Total Interest
$345,901
Total Payment Over 30 Years
$617,101
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Affordable Tier · 5 active · 5 closed

12140 East Highway 20, Clearlake Oaks, CA 95423

Clearlake Oaks · Single Family Residence

$339K
Affordable Tier
Beds
3
Baths
3
Sqft
1,233
Lot
18,730 sqft
Year
1940
$/Sqft
$275
Pool: No✓
Spa: No✓
View: city✓
Garage: 2-car✓

Listed 13.8% above the median closed sale of $297,900. Price per sqft ($275) is a 23% premium to closed comps ($224). Closed comps sold at 92% of list — buyers have negotiating leverage. Expect a longer timeline — comps averaged 132 days on market.

Price Position

Positioned above the market — commands a premium.

Premium
Subject listed at $339K· $275/sqft
Total list price
Closed comps
vs closed median $298K
+$41K (+13.8%)
Active comps
vs active median $359K
−$20K (−5.6%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $282
−$7 (−2.5%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
12623 ShoreviewClearlake Oaks1980331,2808,712$280$359,0006481
13051 Flying Jib CourtClearlake Oaks1979321,17618,731$305$359,00010979
12741 Blue Heron CourtClearlake Oaks1976321,2489,148$280$349,0001979
17002 AcaciaClearlake Oaks1985321,33425,700$214$285,0009576
554 KeysClearlake Oaks1978321,20410,890$331$399,0008676
Total: 5 · Average3.02.21,248.414,636.2$282$350,20074.6
Median1,248$359,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
9865 Highway 20Clearlake Oaks195009/29/2026331,1707,841$359,000$345,000$2950.9611891
12773 Island CircleClearlake Oaks196607/17/2026321,2507,841$294,900$297,900$2381.0136278
12847 Highway 20Clearlake Oaks195006/08/2026311,07410,454$175,000$175,000$1631.004577
1603 New Long ValleyClearlake Oaks199009/30/2026321,200325,829$449,000$399,000$3320.899275
330 LakeClearlake Oaks200507/17/2026321,3865,227$175,000$130,000$940.744473
Total: 5 · Average3.02.01,21671,438.4$269,380$269,380$224.4—132.2
Median1,200$297,900$297,900

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.