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655 Mono St, Manteca, CA, 95337

4beds
4baths
2,660sqft
$799,000
$300price/sqft
$5,295/moest. monthly cost
$211,800/yrincome needed

About This Home

LUXURY SINGLE-STORY LIVING WITH THE UPGRADES TODAY'S BUYERS WANT! Welcome to this beautifully upgraded 4-bedroom, 3.5-bath home offering 2,660 sq. ft. of stylish, move-in-ready living in one of Manteca's most desirable neighborhoods. From the moment you arrive, this home makes a statement. Custom stonework, impressive curb appeal, and a private gated courtyard create a warm and inviting entrance that sets this property apart. Inside, you'll find a spacious, thoughtfully designed single-story layout with beautiful tile flooring and plenty of room to relax, gather, and entertain. The open living spaces offer the perfect balance of comfort and functionality, while the home's high-end upgrades bring convenience and peace of mind. Step outside and get ready to entertain! The upgraded backyard is designed for year-round enjoyment, featuring a covered patio, built-in fire feature, and low-maintenance landscapingan ideal setting for weekend barbecues, evening conversations, or simply relaxing under the stars. Best of all, the fully owned solar system offers valuable long-term energy savings, while recent upgradesincluding a newer water heater and dishwashermake this home truly move-in ready. Luxury. Convenience. Smart upgrades. Single-story living. This is more than a homeit's the lifestyle you've been waiting for.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

10/10
9/10
Ripon High SchoolGrades 9-124.3 mi
8/10
Weston Elementary SchoolGrades K-84.0 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Slab
  • Roof: Other
  • Construction materials: Stucco,Frame,Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Microwave,Double Oven
  • Laundry features: Cabinets,Sink,Hookups Only,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Dining Room

  • Features: Formal Area

Features

  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,660 sqft

Kitchen

  • Features: Pantry Cabinet,Island w/Sink

Property

Details

  • Parcel number: 22624016
  • Zoning: SFR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit

Lot

  • Lot size: 9,870 sqft
  • Features: Auto Sprinkler F&R

Parking

  • Total spaces: 3
  • Parking features: Attached,RV Possible,Tandem
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Drought
    DroughtVery High
  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Earthquake
Heat Wave
Lightning

FEMA Declared Disasters in San Joaquin County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,040$48,480
Home Insurance *$159$1,908
Property Taxes $526$6,312
Electricity $570$6,844
Total$5,295$63,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,542/yr
40% on housing$158,850/yr
45% on housing$141,200/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 95337$305
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95337$279
San Joaquin County$300

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$765,000
2026-08-05Price change$765,000
2026-07-23Price change$799,000
2026-07-01Price change$835,000
2026-05-13Price change$855,000
2026-05-08Pending sale$799,000
2026-05-01Listed for sale$799,000

For Sale by Agent

AgentHermay Castaneda
BrokeragePMZ Real Estate

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