499 McCarthy Reservoir Road # 2 Rail Road Flat, CA $ 599,000
499 McCarthy Reservoir Road # 2
$ 599,000
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499 McCarthy Reservoir Road # 2

Rail Road Flat, CA, 95245
$ 599,000
Bedrooms3 Baths3.0 Sq 3,400

Monthly Estimate*

$ 3,737

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Single Family Home for sale in Rail Road Flat, CA

for $599,000 with 3 bedrooms and 3 full baths. This 3,400 square foot home was built in 1991 on a lot size of 4.19.

Lake House Dream! Welcome to your mountain escape in the exclusive Miner's Lake HOA a quiet community of just a few homes sharing access to a private, amenity-rich lake. Enjoy 20 acres of outdoor recreation, including two private docks, a large BBQ area with picnic tables, and a lake stocked with largemouth bass perfect for swimming, kayaking, and fishing. The home itself is spacious and inviting, featuring vaulted wood-clad ceilings, abundant natural light, and a full wrap-around porch for year-round enjoyment. The main level offers a formal entry, a large living room, a primary suite, an additional bedroom, and a conveniently located kitchen with generous cabinetry and adjacent laundry. The lower level has a bedroom, bathroom, and a multi-use open area. Upstairs, a bright open loft includes its own private balcony where you'll enjoy breathtaking sunset views you'll never grow tired of. Plus, a whole-house Generac propane generator keeps things running smoothly no matter the weather. Bring your critters too livestock are welcome, with a charming red stable and small pasture ready to go. Whether you're looking for a full-time residence or a mountain getaway, this is a rare opportunity to enjoy comfort, beauty, and lake life all in one place!

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Single Family Active

Price

$ 599,000

Bedrooms

3

Full Bath

3

Property Type

Single Family

Taxes

$ 0

Style

Rustic

Lot Size

4.19

Year Built

1991

Town/City

Rail Road Flat

County/Region

Calaveras

MLS | Web ID

225073447

Features
Interior
Interior Amenities Cathedral Ceiling Storage Area(s) Formal Entry
Flooring Carpet Laminate Linoleum Wood
Total Fireplaces 1
Fireplace Features Living Room Pellet Stove
Window Features Caulked/Sealed Dual Pane Full Skylight(s)
Laundry Features Cabinets Dryer Included Washer Included Inside Room
Total Bedrooms 3
Entry Level 0
Room Type Loft Master Bathroom Master Bedroom Possible Guest Kitchen Laundry Workshop Living Room
Kitchen Features Pantry Cabinet Granite Counter
Total Baths 3
1/2 Baths 0
Bedrooms Possible 4
Primary Bathroom Features Jetted Tub
Living Room Features Cathedral/Vaulted Skylight(s) View
Dining Room Features Formal Area
Primary Bedroom Features Balcony Ground Floor Walk-In Closet Outside Access
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General
Sewer Septic System
Heating Pellet Stove
Cooling Ceiling Fan(s) Central
Utilities Internet Available Propane Tank Leased
Roof Metal
Appliances Free Standing Refrigerator Compactor Dishwasher Disposal Microwave Electric Water Heater Free Standing Gas Oven
HOA Fee 750
Garage Spaces 2.0
Association Fee Includes Insurance MaintenanceGrounds
Patio/Porch Features Covered Deck Covered Patio Wrap Around Porch
Architectural Style Rustic
Restrictions Rental(s)
Construction Materials Wood
Pets Allowed Yes
Year Built 1991
Electric 220 Volts 220 Volts in Laundry Generator
View Forest Woods
Stories Count 2
Topography Downslope Forest Snow Line Above Level Trees Many
Levels ThreeOrMore
Unit Number 2
Property Subtype Single Family Residence
Elevation 2810
Assoc Fee Paid Per Annually
County Calaveras
Property Type Residential
Association Amenities Barbeque Trails See Remarks
HOA Y
Subdivision Name Miners Lake Subdivision
Facing Direction West
Other Structures Barn(s)
Total Rooms 0
Full Baths 3
Close Price 0.0
Status Active
Directions From Highway 26 in Mokelumne Hill travel 8.7 miles to Glencoe. Turn Right onto Ridge Rd for 4 miles. Turn Right onto Rail Road Flat Rd. for a quarter mile. Turn Left onto McCarthy Reservoir Rd. Home
City Rail Road Flat
Senior Community Y/N N
High School District Calaveras Unified
Zoning Description Rural Residential 20 (RR20)
Open Parking Spaces 0.0
MLS Area 22029
Lot Size Square Feet 182516.0
Carport Spaces 0.0
Home Warranty Y/N N
Property Condition Original
Standard Status Active
Middle/Junior School District Calaveras Unified
Elementary School District Calaveras Unified
Year Built Source Assessor Agent-Fill
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Exterior
Exterior Amenities Balcony
Fencing None
Parking Features Detached Uncovered Parking Spaces 2+ Workshop in Garage
Lot Features Reservoir Lake Access
Water Source Well
Total Parking 0.0
Land Use Residential
Foundation Details PillarPostPier
Spa N
Lot Size Acres 4.19
Road Surface Type Asphalt
Frontage Type Lakefront
Private Pool N
Lot Size Source Owner
Other Equipment Dish Antenna Water Filter System
Road Responsibility Private Maintained Road
Horse Y/N Y
Horse Amenities Pasture Pens Riding Trail Stable Tack Room Cross Fenced
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Internal Only
Street Number 1 499
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* Excluded Features
List By
Jackson Realty, Inc.

Broker

Slandreth90@gmail.com

Email

Affordability Calculator

$3,737
Per Month
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Monthly Principal & Interest
$3,737
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Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3193606 Elementary School
3193701 Middle School
Unknown High School High School
Pricing History
Date Price Price Change Description
11/14/2025 $599,000 -4.16% Price Down
6/6/2025 $625,000 Listed Price

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499 McCarthy Reservoir Road # 2, Rail Road Flat, CA, 95245 is a Single Family Home for sale at $599,000 with 3,400 sqft and a lot size of 4.19. 499 McCarthy Reservoir Road # 2 has 3 bedrooms, 3.0 baths, and was built in 1991. The property's zip code is 95245 which is in Rail Road Flat, CA