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13132 Heather Dr, Waterford, CA, 95386

3beds
2baths
1,430sqft
$440,000
$308price/sqft
$3,173/moest. monthly cost
$126,920/yrincome needed

About This Home

Welcome to 13132 Heather Drive in Waterford! This beautifully maintained and thoughtfully updated home offers inviting curb appeal with a charming covered front porch, manicured landscaping, and mature flowering tree. Inside, you'll find extensive updates completed within the past six years, including a newer roof, updated bathrooms, updated kitchen featuring granite countertops, custom cabinetry, subway tile backsplash, updated flooring, modern light fixtures, interior and exterior paint, doors, and more. The functional layout flows seamlessly into the backyard, where you'll enjoy a private outdoor retreat complete with patio space, pergola for shaded entertaining, and an above-ground pool with upgraded equipment, perfect for relaxing or hosting gatherings. Additional highlights include abundant natural light, updated finishes throughout, and move-in ready condition offering both comfort and peace of mind. Don't miss the opportunity to own this beautifully updated home with great indoor-outdoor living in an established Waterford neighborhood.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

4/10
8/10
6/10
Waterford High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1991

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Oven,Free-Standing Electric Range
  • Laundry features: Hookups Only,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook,Bar,Dining/Living Combo

Features

  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Raised Hearth
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,430 sqft

Kitchen

  • Features: Pantry Closet,Granite Counters

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Granite Counters,Walk-In Closet(s),Quartz

Master Bedroom

  • Features: Outside Access

Property

Details

  • Parcel number: 080027030000
  • Zoning description: SFR
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: Above Ground
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 5,662 sqft
  • Features: Manual Sprinkler F&R,Shape Regular,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Heat Wave
Inland Flooding
Wildfire
Earthquake
Hail
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 *$116$1,392
Property Taxes $435$5,220
Electricity $398$4,786
Total$3,173$38,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,788/yr
40% on housing$95,190/yr
45% on housing$84,613/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

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 95386$178
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95386$293
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
2026-05-04Price change$445,000
2026-04-10Listed for sale$450,000
2026-04-10Pending sale$450,000
2026-03-27Listed for sale$450,000
2021-07-26Sold$356,000
2008-10-23Sold$140,000
2008-05-14Sold$179,775
2002-07-18Sold$174,000

For Sale by Agent

AgentLaura Catrina
BrokeragePMZ Real Estate

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