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1106 Monte Cristo Ave, Modesto, CA, 95350

3beds
2baths
1,312sqft
$449,995
$343price/sqft
$3,233/moest. monthly cost
$129,320/yrincome needed

About This Home

Pride of ownership shines throughout this charming College Terrace Estates gem! This beautifully maintained 3-bedroom, 2-bath home is ideally situated on a spacious corner lot in the heart of Modesto. Located in a quiet, established neighborhood with picturesque tree-lined streets, this property offers excellent curb appeal and plenty of parking. Inside, you'll find a clean, move-in-ready home that's perfect for first-time buyers or growing families. The generous backyard offers endless possibilities, including potential RV or boat access. Conveniently located near schools, shopping, dining, parks, and public transportation, with quick access to Highways 99 and 132 for an easy commute.

Getting Around

72
WalkingVery Walkable
36
TransitSome Transit
72
BikeVery Bikeable

Schools

6/10
4/10
4/10

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Other
  • Roof: Composition
  • Construction materials: Wood

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: Dining/Living Combo

Features

  • Flooring: Other
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,312 sqft

Kitchen

  • Features: Stone Counters

Property

Details

  • Parcel number: 059028054000
  • Zoning: R-1
  • Special condition: Standard

Lot

  • Lot size: 7,039 sqft
  • Features: Corner Lot,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Alley Access,RV Possible,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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively 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 $2,275$27,300
Home Insurance *$120$1,440
Property Taxes $440$5,280
Electricity $398$4,786
Total$3,233$38,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,845/yr
40% on housing$96,990/yr
45% on housing$86,213/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

$343This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$449,995
2026-07-09Price change$449,995
2026-07-02Price change$450,000
2026-06-17Listed for sale$459,000
2022-08-19Sold$430,000
2022-07-25Pending sale$419,950
2022-07-22Listed for sale$419,950
2022-07-22Contingent$419,950
2022-07-19Pending sale$419,950
2022-07-13Listed for sale$419,950

For Sale by Agent

AgentJohn Altstatt
BrokerageHomelink Real Estate

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