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3104 Pembroke Dr, Modesto, CA, 95350

3beds
2baths
1,170sqft
$440,000
$376price/sqft
$3,165/moest. monthly cost
$126,600/yrincome needed

About This Home

Beautifully Remodeled Single-Story Home in the Heart of Modesto Welcome to 3109 Pembroke Dr a fully remodeled and freshly painted 3-bedroom, 2-bathroom single-story home that's move-in ready and waiting for you. Thoughtfully updated throughout, this residence blends comfortable everyday living with modern finishes inside and out. Step inside to find a bright, clean, and inviting interior where crisp new paint and tasteful upgrades create an instant sense of home. The single-level layout offers easy, accessible living with no stairs to worry about ideal for first time buyers, growing families, downsizers, or anyone looking for low-maintenance comfort. Set on a generous 6,045-square-foot lot, the property gives you room to garden, entertain, or simply relax outdoors. Located in an established Modesto neighborhood, you'll enjoy convenient access to schools, shopping, dining, parks, and major commute routes. Additional peace of mind comes from the home's location in FEMA Flood Zone X, an area of minimal flood risk. Homes that are this well cared for and truly turnkey don't last long. Schedule your showing today and come see everything this charming Modesto home has to offer!

Getting Around

52
WalkingSomewhat Walkable
35
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

4/10
4/10

Construction

Condition

  • Year built: 1972

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Concrete,Stucco,Glass

Type & Style

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

Interior

Appliances

  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Breakfast Nook

Features

  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,170 sqft

Kitchen

  • Features: Breakfast Area

Property

Details

  • Parcel number: 054008031000
  • Zoning: R1
  • Special condition: Standard

Lot

  • Lot size: 7,697 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $2,224$26,688
Home Insurance *$117$1,404
Property Taxes $426$5,112
Electricity $398$4,786
Total$3,165$37,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,514/yr
40% on housing$94,950/yr
45% on housing$84,400/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

$376This listing

vs Other Active Listings

Avg $/sqft

ZIP 95350$225
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95350$318
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
2026-07-31Price change$440,000
2026-06-15Listed for sale$450,000
2017-10-31Sold$267,000
2016-05-26Sold$198,000
2015-03-09Sold$175,000

For Sale by Agent

AgentDaShaun Winston
BrokerageJRP Real Estate Services, Inc.

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