The California Coastal Commission last month stymied the plans of a Bolinas homeowner who hopes to protect his bluff-side house by erecting an underground retaining wall. The commission foremost disputed that erosion posed a great enough threat to the house to warrant armoring, citing coastal development regulations.

Tom Bassett, a San Francisco resident who owns a property on Ocean Parkway where a landslide occurred two years ago, received a coastal permit in October to build…