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413 Empire Ave, Modesto, CA, 95354

2beds
1baths
924sqft
$349,000
$378price/sqft
$2,805/moest. monthly cost
$112,200/yrincome needed

About This Home

Charming, fully updated, and move-in ready! This 2-bedroom, 1-bath home features an open floor plan, updated flooring, recessed lighting, a beautifully remodeled kitchen with quartz countertops, and a modernized bathroom. Situated on a spacious 7,840 sq ft lot, the property provides endless possibilities for outdoor living, RV parking, an ADU, or future improvements. A rare combination of style, functionality, and lot size.

Getting Around

54
WalkingSomewhat Walkable
25
TransitSome Transit
52
BikeBikeable

Schools

4/10
3/10

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Concrete,Wood,Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Family Combo

Features

  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Electric,Zoned
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 924 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island

Property

Details

  • Parcel number: 035039007000
  • Zoning: R1
  • Special condition: Standard

Lot

  • Lot size: 8,001 sqft
  • Features: Sprinklers In Rear

Parking

  • Parking features: No Garage

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

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Lightning

FEMA Declared Disasters in Stanislaus 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 $1,764$21,168
Home Insurance *$102$1,224
Property Taxes $541$6,492
Electricity $398$4,786
Total$2,805$33,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,171/yr
40% on housing$84,150/yr
45% on housing$74,800/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$378This listing

vs Other Active Listings

Avg $/sqft

ZIP 95354$235
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95354$309
Stanislaus County$303

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
2026-08-05Pending sale$349,000
2026-07-02Price change$349,000
2026-06-17Listed for sale$369,999
2025-10-15Sold$170,000

For Sale by Agent

AgentStefani Chavez
BrokerageLifestyle Realty

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