CnC Realty
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$220,000

12818 E Highway 20

Clearlake Oaks, CA 95423

Active

3

Beds

2

Baths

1,080

Sq. Ft.

1930

Year Built

Lake

County

SingleFamilyResidence

Property Type

About this home

Charming, Updated Home with Privacy & Character in Clearlake Oaks — Assumable Loan at 4.125%! Welcome to 12818 E Highway 20, Clearlake Oaks, where timeless charm meets modern comfort! Built in 1930, this delightful 3-bedroom, 1.5-bath home offers approximately 1,080 square feet of inviting living space, filled with character and thoughtful upgrades throughout. Warm, welcoming, and full of personality, this home blends its original charm with modern improvements, creating a comfortable and appealing place to call home. The private setting adds to its appeal, while the fenced backyard provides a wonderful space for outdoor entertaining, gardening, pets, or simply relaxing in your own peaceful retreat. An exceptional opportunity: The existing loan may be assumable at an attractive 4.125% interest rate, subject to lender approval and buyer qualification! This potential financing advantage adds even more appeal to an already charming property. Whether you’re searching for your first home, looking to downsize, or seeking an investment opportunity, this Clearlake Oaks gem offers a wonderful combination of character, functionality, privacy, and potential financing benefits. A little vintage charm, modern touches, and a whole lot to love—schedule your private showing today!

Listed by Jennifer Perez · DRE #02030607 · Pivniska Real Estate Group
MLS #1193217242
ListedOct 15, 2026

Property Details

Architecture

Stories1
StyleN/A
Total Units1
RoofN/A
Garage Spaces0
PoolN/A
SpaNone

Features & Amenities

Interior FeaturesEat In Kitchen, All Bedrooms Up
Exterior FeaturesN/A
FlooringN/A
CoolingWall Window Units
HeatingBaseboard
FireplaceNone
LaundryInside, Laundry Room
Parking FeaturesDriveway
Parking Total0
Patio & PorchRear Porch, Front Porch
Entry Level1
Entry LocationFront
Common WallsNo Common Walls

Property Features

Lot Size0.14 ac
Lot FeaturesZero To One Unit Acre
ViewNeighborhood
DirectionsE Highway 20 north property on right

Community

AreaLCOAK - Clearlake Oaks
School DistrictKonocti Unified

Tax & Financial

TermsCash, Cash To Existing Loan, Cash To New Loan, Conventional, FHA, Va Loan
Land LeaseNo
HOA NameN/A
HOA FeeN/A

Request a Tour

Mortgage Estimate

$1,171/mo

20% down · 7% APR · 30-yr fixed

Estimate only. Does not include taxes, insurance, or HOA.

CRMLSLast updated: October 21, 2026 at 7:45 PM

The multiple listing data appearing on this website is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. 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. All listing data, including but not limited to square footage and lot size, is believed to be accurate but is not guaranteed by the listing Agent, listing Broker, or CRMLS. Buyers are responsible for verifying the accuracy of all information and should independently investigate the data or retain appropriate professionals prior to making any decisions. 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 herein may or may not have been the Listing and/or Selling Agent. Properties may or may not be listed by the office/agent presenting the information. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed.