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1821 River Rd, Modesto, CA, 95351

4beds
2baths
2,193sqft
$699,900
$319price/sqft
$4,907/moest. monthly cost
$196,280/yrincome needed

About This Home

Rare opportunity! This beautifully renovated, multi-level home offers river access on a flat, usable acre. With 4 bedrooms, 2 full bathrooms, and 2,193 sqft of living space, it's perfect for multi-family living: the lower level features a private entry, living area, dining, kitchenette, full bathroom, laundry room, and bedroom. Enjoy peace of mind with a new roof, new kitchen and bathrooms, new LVP flooring, baseboards, outlets/switches, lighting & plumbing fixtures, interior/exterior paint, new septic tank, and a CERTIFIED foundation. The NEW horseshoe driveway with gated entries, RV/boat parking on the right, and expansive space allows for an ADU or all your storage needs. The rear gate opens right to the river, ready for its next owner to enjoy! Welcome home!

Getting Around

23
WalkingCar-Dependent
26
TransitSome Transit
33
BikeSomewhat Bikeable

Schools

4/10
6/10
Ceres High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1931

Materials

  • Foundation: Concrete
  • Roof: Composition,Flat
  • Construction materials: Stucco,Frame,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Dishwasher,Disposal,Microwave
  • Laundry features: Gas Dryer Hookup,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Space in Kitchen

Features

  • Flooring: Vinyl

Heating & Cooling

  • Heating features: MultiUnits,Natural Gas
  • Cooling features: Ceiling Fan(s),Wall Unit(s),Multi Units

Interior Area

  • Total interior livable area: 2,193 sqft

Kitchen

  • Features: Quartz Counter

Property

Details

  • Parcel number: 039003007000
  • Zoning description: SFR
  • Special condition: Standard

Features

  • Exterior features: Balcony
  • Fencing: Chain Link,Wood,Full

Lot

  • Lot size: 0.97 Acres
  • Features: Shape Regular

Parking

  • Parking features: No Garage,Boat,RV Access/Parking,RV Storage,Guest

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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $3,539$42,468
Home Insurance *$194$2,328
Property Taxes $704$8,448
Electricity $470$5,643
Total$4,907$58,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,240/yr
40% on housing$147,210/yr
45% on housing$130,853/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: 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

$319This listing

vs Other Active Listings

Avg $/sqft

ZIP 95351$208
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95351$310
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)

Price History

DateEventPrice
2026-04-29Price change$719,900
2026-04-07Price change$734,900
2026-03-15Listed for sale$749,900
2025-06-11Sold$385,000
2025-04-15Pending sale$420,000
2025-04-07Price change$420,000
2025-03-30Pending sale$485,000
2025-02-12Listed for sale$485,000
2018-04-13Sold$350,000
2018-03-29Pending sale$359,000
2018-03-29Listed for sale$359,000
2017-09-06Listing removed$344,500
2017-08-12Price change$344,500
2017-08-01Price change$349,500
2017-07-28Price change$354,000
2017-07-22Price change$359,000
2017-07-09Price change$364,900
2017-06-13Listed for sale$369,000
2013-06-06Sold$245,000

For Sale by Agent

AgentDon Wright
BrokerageHype Real Estate

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