Affordable Cozy Cottage in the Redwoods, just a quick jaunt to downtown! Live here comfortably while you upgrade this 1920s home. Most of the rooms open to an enchanting private courtyard with custom rock walls, planter and patio. This is a co-op community, formerly the Elk Club and now the Bear Creek Stock Co-Op: 24 homes sharing 12 acres with common clubhouse, BBQ area, two trails to Bear Creek & a private beach on the San Lorenzo River! Ideal for a permanent residence or a vacation cabin; not for rental/investment. HOA dues of $250/month cover water, garbage, road & common area maintenance. Conventional loans won't work because ownership is a share of stock. The Park must approve the buyer. Seller financing may be available, only for well qualified borrowers with at least 50% down payment. Photo 25 is pic 24 virtually staged. The rest of the pics are of the common park areas: beach & river, bbq, creek, "waterfall," and clubhouse.