1 of 90

Want to see this home?

499 Mccarthy Reservoir Road Unit 2

Rail Road Flat, CA 95245

3 beds
3 baths
3,400 sqft
~4 acre lot
$183 per sqft
1991 build
– on site

Turn-Key Luxury Mountain Home! A dreamy escape spaciously crafted. Featuring vaulted, wood-clad ceilings and abundant natural light. The main level offers a formal entry, primary suite, additional bedroom, large living room, and a full wrap-around porch for year-round enjoyment. The lower level includes its own private entrance, bedroom, and bath-ideal for multi-generational living, a home office, homeschooling, or a hobby studio. Upstairs, you'll find an open loft space with a private balcony and stunning sunset views you'll never tire of. The kitchen offers ample cabinetry and is conveniently located next to the main-level laundry. A detached 2-car garage includes additional workshop space perfect for tackling projects or storage. As well, power outages are a thing of the past with a whole house propane Generac. Don't forget the critters! Livestock are welcome with a sturdy red stable and small pasture. This property also includes full access to Miners Lake, stocked with largemouth bass and reserved exclusively for residents. Two private docks, a BBQ picnic area, and opportunities for swimming, fishing, and kayaking await. This is a remarkable opportunity to live comfortably in the mountains! Virtual walkthrough https://golden-thorn-photography.aryeo.com/sites/vexzwgo/unbranded

Listing courtesy of METROLIST / Jackson Realty, Inc.

Last checked: Checking… • Last updated Jun 8, 2025 •

MLS# 225073447 —

The Building

Year Built:

1991
Year Built Source:

Assessor Agent-Fill
Remodeled Updated:

No
Construction Materials:

Wood
Construction Materials:

#Collection(String)
Building Features:

#Collection(String)
Architectural Style:

Rustic
Architectural Style:

#Collection(String)
Development Status:

#Collection(String)
Structure Type:

#Collection(String)
Subtype Description:

#Collection(String)
Unit Number:

2
Roof:

Metal
Roof:

#Collection(String)
Foundation Details:

Pillar/Post/Pier
Foundation Details:

#Collection(String)
Stories:

2
Levels:

Three Or More
Levels:

#Collection(String)
Upper Level:

#Collection(String)
Main Level:

#Collection(String)
Lower Level:

#Collection(String)
Basement:

#Collection(String)
Direction Faces:

West
Exterior Features:

Balcony
Exterior Features:

#Collection(String)
Window Features:

Caulked/Sealed, Dual Pane Full
Window Features:

#Collection(String)
Patio And Porch Features:

Covered Deck, Covered Patio, Wrap Around Porch
Patio And Porch Features:

#Collection(String)
Accessibility Features:

#Collection(String)

Interior

Interior Features:

Cathedral Ceiling, Skylight(s), Formal Entry, Storage Area(s)
Interior Features:

#Collection(String)
Kitchen Features:

Pantry Cabinet, Granite Counter
Flooring:

Carpet, Laminate, Linoleum, Wood
Flooring:

#Collection(String)
Upper Level:

Loft
Main Level:

Bedroom(s), Living Room, Dining Room, Master Bedroom, Full Bath(s), Kitchen, Street Entrance
Dining Room Features:

Formal Area
Living Room Features:

Cathedral/Vaulted, Skylight(s), View
Fireplaces Total:

1
Fireplace Features:

Living Room, Pellet Stove
Fireplace Features:

#Collection(String)
Laundry Features:

Cabinets, Dryer Included, Washer Included, Inside Room
Laundry Features:

#Collection(String)

Room Dimensions

Living Area:

3400.0
Living Area Source:

Owner

Financial & Terms

Lease Type:

Net
Lease Type:

#Collection(String)
Lease Info:

#Collection(String)
Lease Includes:

#Collection(String)
Rent Includes:

#Collection(String)
Tenant Pays:

#Collection(String)
Owner Pays:

#Collection(String)
Pets Allowed:

#Collection(String)

Location

Elevation:

2810
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 is a quarter mile on the left.

The Property

Property Type:

Residential
Property Subtype:

Single Family Residence
Property Condition:

Original
Property Condition:

#Collection(String)
Parcel Number:

014-029-006-000
Current Use:

#Collection(String)
Possible Use:

#Collection(String)
Zoning:

Rural Residential 20 (RR20)
Lot Features:

Reservoir, Lake Access
Lot Features:

#Collection(String)
Lot Size Acres:

4.19
Lot Size Square Feet:

182516.0
Land Use:

Residential
Lot Size Units:

Acres
Lot Size Source:

Owner
Land Lease:

false
View:

#Collection(String)
View:

Forest, Woods
Topography:

Downslope,Forest,Snow Line Above,Level,Trees Many,Downslope,Forest,Snow Line Above,Level,Trees Many
Vegetation:

#Collection(String)
Irrigation Source:

#Collection(String)
Fencing:

None
Fencing:

#Collection(String)
Horse Amenities:

Pasture, Pens, Riding Trail, Stable, Tack Room, Cross Fenced
Horse:

true
Horse Amenities:

#Collection(String)
Crops:

#Collection(String)
Other Equipment:

Water Filter System
Soil:

#Collection(String)
Other Structures:

Barn(s)
Frontage Type:

Lakefront
Land Use:

#Collection(String)
Irrigation Source:

None
Frontage Type:

#Collection(String)
Road Surface Type:

#Collection(String)
Road Surface Type:

Asphalt
Road Frontage Type:

#Collection(String)
Road Responsibility:

#Collection(String)
Road Responsibility:

Private Maintained Road
Driveway Sidewalks:

#Collection(String)

Listing Agent

Contact info:

Beds

Bedrooms Total:

3
Bedrooms Possible:

4
Master Bedroom Features:

Balcony, Ground Floor, Walk-In Closet, Outside Access

Baths

Total Baths:

3
Full Baths:

3
Master Bathroom Features:

Jetted Tub

The Listing

Home Warranty:

false

Heating & Cooling

Heating:

Pellet Stove
Heating:

#Collection(String)
Cooling:

Ceiling Fan(s), Central
Cooling:

#Collection(String)

Utilities

Utilities:

Propane Tank Leased, Dish Antenna, Generator, Internet Available
Utilities:

#Collection(String)
Electric:

220 Volts, 220 Volts in Laundry
Electric:

#Collection(String)
Sewer:

Septic System
Sewer:

#Collection(String)
Water Source:

Well
Water Source:

#Collection(String)
Green Energy Efficient:

#Collection(String)

Appliances

Appliances:

Free Standing Gas Oven, Free Standing Refrigerator, Compactor, Dishwasher, Disposal, Microwave, Electric Water Heater
Appliances:

#Collection(String)

Schools

Elementary School District:

Calaveras Unified
Middle Or Junior School District:

Calaveras Unified
High School District:

Calaveras Unified

The Community

Subdivision Name:

Miners Lake Subdivision
Community Features:

#Collection(String)
Association:

true
Association Fee:

750
Association Fee Frequency:

Annually
Association Fee Includes:

Insurance, Maintenance Grounds
Association Mandatory:

Yes
Association Amenities:

Barbeque, Trails, See Remarks
Association Amenities:

#Collection(String)
Restrictions:

Rental(s)
Spa:

false
Spa Features:

#Collection(String)
Pool Private:

false
Pool Features:

#Collection(String)
Pets Allowed:

Yes
Driveway Sidewalks:

Gravel
Senior Community:

false

Parking

Garage Spaces:

2.0
Parking Type:

#Collection(String)
Parking Access:

#Collection(String)
Parking Features:

Detached, Uncovered Parking Spaces 2+, Workshop in Garage
Parking Features:

#Collection(String)

Extra Units

Unit 1 Type:

#Collection(String)
Unit 2 Type:

#Collection(String)
Unit 3 Type:

#Collection(String)
Unit 4 Type:

#Collection(String)
Other Units:

#Collection(String)

Monthly cost estimate

Asking price

$625,000

Expense	Monthly cost
Mortgage	$3,346
Taxes	N/A
Insurance	$171
HOA fees	$63
Utilities	$243 See report
Total	$3,823/mo.^*
	^*This is an estimate

Explore the Area

My Commute

From

Walk Score®

Provided by WalkScore® Inc.

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
6/6/25 Jun 6, 2025	Listed / Active	METROLIST	$625,000	47.1% (5.2% / YR)
5/5/16 May 5, 2016		CRMLS_CA	$425,000

Want a closer look?

Go see 499 Mccarthy Reservoir Road

Or Call Toll Free 1-800-258-2512

We guarantee that we’ll never spam you.

* indicates a required field

More homes

Newest listings in Rail Road Flat, CA

Similar sold homes

This house located in Rail Road Flat, CA 95245 is currently for sale for $625,000. 499 Mccarthy Reservoir Road Unit 2 is a 3,400 square foot house with 3 beds and 3 baths that has been on Estately for 11 days. This house is in the attendance area of Pioneer Visual And Performing Arts Magnet School, Jackson Junior High School, and Amador High School.

Listing courtesy of Jackson Realty, Inc.

Terms of service, data current as of 6:56pm on Jun 17.

Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:

All measurements and all calculations of area are approximate. Information provided by Seller/Other sources, not verified by Broker. All interested persons should independently verify accuracy of information. Provided properties may or may not be listed by the office/agent presenting the information.”

Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing

Kevin Boer is Estately's licensed broker in the state of California and Subscriber with Metrolist. Office #01842161; DRE License #01404898.

Terms of Use

The following are terms of a legal agreement between you, the person viewing and/or using this Internet site (“User”) and the operator ("Provider") of this Internet site ("Site"), By accessing, browsing and/or using this Site, User acknowledges that User has read, understood, and agrees to be bound by these terms and to comply with all applicable laws and regulations, including but not limited to U.S. export and re-export control laws and regulations. If User does not agree to these terms, User is not authorized to use this Site. The material provided on this Site is protected by law, including, but not limited to, United States Copyright law and international treaties.
User must be a prospective purchaser or seller of real estate with a bona fide interest in the purchase or sale of such real estate.
All real estate data and other informational content provided on this Site (including but not limited to descriptions, images, and other information constituting or relating to real estate listings) is strictly for the personal, private, non-commercial use of User and is not made available for redistribution, retransmission, reformatting, modification or copying. User may not sell or use any of the real estate data on this Site for any purpose other than attempting to evaluate houses or properties for sale or purchase by User. User acknowledges that the real estate data and other informational content on this Site is provided by MetroList Services, Inc., a California corporation (“MetroList”), and User acknowledges the validity of MetroList's copyright as to such data. User expressly acknowledges and agrees that MetroList is a third-party beneficiary of these Terms of Use, and that MetroList will be entitled to enforce these Terms of Use against User.
To the fullest extent permitted by law, the data on this Site is provided "as is," without warranty or representation of any kind, either express or implied, as to the nature, quality, characteristics or value of any property or information to which the data pertains. NEITHER PROVIDER NOR METROLIST MAKES ANY WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE DATA DISPLAYED ON THIS SITE, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR AS TO THE TIMELINESS, ACCURACY AND/OR COMPLETENESS OF THE DATA.
NEITHER PROVIDER NOR METROLIST SHALL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, INDIRECT, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS INFORMATION, LOSS OF DATA, LOST PROFITS, LOSS OF CUSTOMERS OR OTHER PECUNIARY LOSS), ARISING OUT OF THE USE OR INABILITY TO USE THE DATA DISPLAYED ON THIS SITE, WHETHER THE CLAIM OR CAUSE OF ACTION ARISES IN TORT, CONTRACT, NEGLIGENCE, STRICT LIABILITY OR UNDER ANY OTHER LEGAL THEORY.
User agrees that the prevailing party or parties in any action brought to enforce or for breach of these Terms of Use shall be entitled to recover, in addition to any other relief, that party’s or those parties’ reasonable attorney’s fees and court costs incurred in such action from the non-prevailing party or parties.