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12128 Washington Rd, Waterford, CA, 95386

3beds
2baths
1,296sqft
$379,000
$292price/sqft
$2,803/moest. monthly cost
$112,120/yrincome needed

About This Home

* * MOVE IN READY, RV PARKING * * Welcome home to 12128 Washington Rd, a beautifully updated 3-bedroom, 2-bath property with fresh interior paint, luxurious new LVP flooring, and brand-new kitchen appliances. This home features a practical single-level layout with ample living space for first-time buyers, growing households, or anyone seeking extra room to spread out. Out front, the expanded driveway is a standout feature, providing abundant space for multiple vehicles, boats, trailers, orweekend toys. The side yard offers a space for RV Parking! Step into the backyard and discover a shady covered patio area perfect for relaxing, hosting gatherings, or enjoying quiet evenings outdoors. A storage shed adds valuable extra space for tools, equipment, and seasonal items. Great location near popular shopping, dining and everyday conveniences! This move-in-ready property is an outstanding opportunity to enjoy the best of Waterford living. Come view today!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

8/10
6/10
Waterford High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: See Remarks

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,296 sqft

Kitchen

  • Features: Other Counter

Property

Details

  • Parcel number: 080040019000
  • Zoning: SFR
  • Special condition: Standard

Lot

  • Lot size: 5,758 sqft
  • Features: Curb(s)

Parking

  • Total spaces: 2
  • Parking features: Attached,RV Possible
  • 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

  • Drought
    DroughtVery High
  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Earthquake
Heat Wave
Lightning
Wildfire

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 $1,916$22,992
Home Insurance *$100$1,200
Property Taxes $389$4,668
Electricity $398$4,786
Total$2,803$33,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,102/yr
40% on housing$84,090/yr
45% on housing$74,746/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

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 95386$182
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$379,000
2026-07-31Price change$379,000
2026-07-07Listed for sale$399,000
2025-10-29Sold$291,940
2019-04-26Sold$252,000
2018-11-08Pending sale$249,777
2018-10-23Price change$249,777
2018-10-12Listed for sale$259,777
2004-02-25Sold$205,000
2001-12-17Sold$143,000

For Sale by Agent

AgentJessica Spellerberg
BrokerageWedgewood Homes Realty

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