$489,900
Est. $3,873/mo See the math20026 Indian Tom Drive
Cottonwood, CA | LAKE CALIFORNIA
4
Beds
3
Baths
2,610
Sq Ft
0.64
Acres
About This Property
Incredible VIEWS right when you walk through the front door, a HUGE SHOP with a car lift, an apartment above the garage, and all the amenities of gated Lake California! This beautiful property has so much to offer, starting with a welcoming home surrounded by gorgeous landscaping and stunning views of the valley and Mt. Shasta. Inside, you'll find a comfortable layout with 4 bedrooms and a dedicated office space, a kitchen with a convenient pantry, and a water softening system. Step outside onto the covered deck and take in the peaceful surroundings, or enjoy the convenience of the circular driveway and plenty of room for parking. The impressive shop is a standout feature, complete with a car lift and half bath, plus two detached carports for additional covered parking. Property over looks Cottonwood Creek and the river, offering even more possibilities! There's even a fig tree on the property! Living in Lake California means enjoying fantastic community amenities, including a private lake, river access with a boat ramp, swimming pool and spa, clubhouse, walking trails, tennis and basketball courts, playground, archery range, equestrian center, camping and RV area, airstrip, and more! With incredible views, versatile spaces, and room for all your hobbies and toys, this is a property you won't want to miss!
Monthly Payment
Down payment
Loan term
Starts at the 30-year national average from Freddie Mac for the week of Oct 15, 2026. Your rate depends on credit, loan type and points.
California resets the tax to about 1% of the sale price, plus local bonds, so the seller's current bill does not carry over.
Insurance starts at a typical figure for homes like this one. Quotes vary widely in Shasta County, so get one early.
From the MLS listing.
Estimated monthly payment
$3,873
- Principal and interest
- $2,714
- Property tax
- $449
- Home insurance
- $613
- HOA dues
- $98
Down payment
$97,980
Loan amount
$391,920
An estimate for planning only, not a loan offer. See the disclaimer below.
Disclaimer
This calculator is for general information and planning only. It is not a loan offer, a pre-approval, a commitment to lend, or financial, tax or legal advice. Wahlund & Co. Realty Group and The Normandeau Team are real estate professionals, not mortgage lenders or brokers, and do not make loans.
Results are estimates based on the numbers entered and on assumptions that may not fit your situation. The starting interest rate is a national weekly average published by Freddie Mac and is not a rate quote; your actual rate, payment and loan terms depend on your credit, income, down payment, loan program, points and lender, and rates change daily. Property tax is estimated at about 1.1% of the price and may be higher where special assessments or Mello-Roos taxes apply. Home insurance starts from typical local figures for the home's location, using public map data that may be out of date or incomplete; actual quotes vary widely. Mortgage insurance is a rough estimate. HOA dues come from the MLS listing and should be confirmed with the association. Closing costs, prepaid items, reserves and other fees are not included.
Listing information is deemed reliable but not guaranteed. Talk with a licensed lender for an accurate quote, and verify all figures before making any decision.
Property Details
Community
- Address
- 20026 Indian Tom Drive, Cottonwood, CA 96022
- Area
- Cottonwood
- County
- Tehama
- Zip Code
- 96022
- Cross Street
- Big Bend Drive
- Parcel Number
- 100-200-035
- HOA Dues
- $98 monthly
Architecture
- Bedrooms
- 4
- Bathrooms
- 3
- Year Built
- 2002
- Levels
- One
- Style
- Traditional
- Construction
- Wood
- Roof
- Comp
- Foundation
- Raised
- Garage Spaces
- 4
- Parking
- Driveway, RV Access/Parking, Oversized Parking, Boat, Oversized Garage
Features & Amenities
- Interior
- Vaulted Ceiling, Island, Pantry, Double Vanity
- Flooring
- Laminate, Tile, Vinyl
- Cooling
- Evaporative, Central
- Heating
- Forced Air
- View
- Mountain, Panoramic, Valley
Property
- Lot Size
- 27,878.4 sq ft / 0.64 acres
- Lot Features
- Level
- Sewer
- Septic
- Water
- Public
- Electric
- 220V Location
- Road Surface
- Dirt, Asphalt
- Directions
- Take I-5 S to Bowman Rd., to Lake California Dr., to River View Dr., to Big Bed Dr. to Indian Tom Dr.
Listing Information Last Updated 10/20/2026
Listing provided courtesy of Dan Metz (530-351-1449), Josh Barker Real Estate.
Listing data is provided courtesy of the Shasta Association of REALTORS®. Information is deemed reliable but not guaranteed and should be independently verified. This property may be listed by a brokerage other than Wahlund & Co. Realty Group.
