




14963 Moraga Rd, Los Banos, CA, 93635
About This Home
Experience the essence of California countryside living with this extraordinary custom Spanish-style estate set on over 20 acres. Offering a rare blend of craftsmanship, functionality, and income potential, this property is truly one of a kind. The main residence spans approximately 3,000 sq ft and showcases timeless architectural details including vaulted ceilings, custom plaster walls, arched doorways, and rich finishes throughout. The chef's kitchen is designed for both everyday living and entertaining, featuring granite countertops, a Viking 6-burner range with skillet, wine refrigerator, rustic hickory cabinetry, and distinctive copper sinks. Each of the three bedrooms includes its own private ensuite, creating a comfortable and private layout. The primary suite offers outside access, a walk-in closet, and a spa-inspired bathroom with a copper soaking tub and Italian cobblestone shower. Step outside to a covered patio overlooking a beautifully designed pool and spa with bullnose tile detailing and a cascading waterfall, creating a private retreat ideal for relaxing or entertaining. The property also includes a second home with 3 bedrooms and 2 baths, currently rented for $2,200 per month, providing immediate income or flexibility for extended family or guests. Additional features include a large shop, horse corrals, and expansive usable acreage. With CCID water district nearby, there is potential for agricultural use such as planting trees or crops. The existing barn offers possibilities for storage, livestock, or potential event use. Properties of this caliber with multiple residences and usable acreage rarely come available. This unique property combines space, privacy, and versatilityideal for those seeking a rural lifestyle with added income and future potential.
Getting Around
Schools
Construction
Condition
- Year built: 2005
Materials
- Foundation: Concrete,Slab
- Roof: Spanish Tile
- Construction materials: Plaster,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Spanish
- Property subType: Multi Family,Single Family Residence
Interior
Appliances
- Appliances included: Free-Standing Gas Range,Built-In Refrigerator,Range Hood,Dishwasher,Microwave,Wine Refrigerator
- Laundry features: Laundry Room,Cabinets,Sink,Inside,Inside Room
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Breakfast Nook,Bar
Features
- Flooring: Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Propane
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 3,641 sqft
Kitchen
- Features: Granite Counters,Kitchen Island,Island w/Sink
Master Bathroom
- Features: Shower Stall(s),Double Vanity,Soaking Tub,Multiple Shower Heads,Window
Master Bedroom
- Features: Walk-In Closet,Outside Access
Property
Details
- Parcel number: 078140080000
- Zoning description: farms
- Special condition: Standard
Features
- Private pool: Yes
- Pool features: In Ground,Fenced,Gunite
- Fencing: Back Yard
Lot
- Lot size: 20.86 Acres
- Features: Other
Parking
- Total spaces: 3
- Parking features: Attached,Garage Door Opener
- 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
- Earthquake
- Heat Wave
- Inland Flooding
- Wildfire
- Hail
How This Home’s Risks Compare
FEMA Declared Disasters in Merced County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $9,101 | $109,212 |
| Home Insurance * | $461 | $5,532 |
| Property Taxes | $1,615 | $19,380 |
| Electricity | $780 | $9,369 |
| Total | $11,957 | $143,484 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Listed for sale | $1,800,000 |
For Sale by Agent
