See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

14963 Moraga Rd, Los Banos, CA, 93635

3beds
3baths
3,641sqft
$1,800,000
$494price/sqft
$11,957/moest. monthly cost
$478,280/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10
Volta Elementary SchoolGrades K-62.7 mi
2/10
Creekside Junior HighGrades 7-85.2 mi
4/10
Los Banos High SchoolGrades 9-127.1 mi

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
    DroughtVery High
  • Earthquake
    EarthquakeVery High
  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
Wildfire
Hail

FEMA Declared Disasters in Merced 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 $9,101$109,212
Home Insurance *$461$5,532
Property Taxes $1,615$19,380
Electricity $780$9,369
Total$11,957$143,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$409,954/yr
40% on housing$358,710/yr
45% on housing$318,853/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$494This listing

vs Other Active Listings

Avg $/sqft

ZIP 93635$248
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 93635$266
Merced County$264

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
2026-05-06Listed for sale$1,800,000

For Sale by Agent

AgentChristine Kinsley, Berkshire Hathaway HomeServices-Drysdale Properties
BrokerageBerkshire Hathaway HomeServices-Drysdale Properties

Similar Homes