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430 Becky Way, Waterford, CA, 95386

4beds
3baths
1,200sqft
$415,000
$346price/sqft
$3,028/moest. monthly cost
$121,120/yrincome needed

About This Home

Welcome to 430 Becky Way in Waterford with recent upgrades including new interior paint, laminate flooring, new countertops, fresh finishes, RV parking, and an in-law suite in the garage with its own separate access. This well-maintained home offers a spacious layout with a large family room that flows into an open-concept kitchen, ideal for both daily living and entertaining. The kitchen features stone counters, a functional peninsula, and ample storage. The home includes a comfortable primary bedroom with a private ensuite, while the main bathroom offers a double vanity and walk-in shower. Situated on a desirable corner lot, the property showcases great curb appeal, along with a welcoming porch and attached garage. The garage conversion includes an extra room and half bath, providing flexible living space. Washer, dryer, and refrigerator are included in the sale. Conveniently located near schools, shopping, and dining, this move-in-ready home is a must-see.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

4/10
8/10
6/10
Waterford High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Raised
  • Roof: Shingle
  • Construction materials: Stucco,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Range Hood,Dishwasher
  • Laundry features: Laundry Closet,Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Dining/Family Combo

Features

  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,200 sqft

Kitchen

  • Features: Breakfast Area,Kitchen Island,Kitchen/Family Combo

Property

Details

  • Parcel number: 080050011000
  • Zoning description: R1
  • Special condition: Standard

Lot

  • Lot size: 6,368 sqft
  • Features: Corner Lot,Curb(s)/Gutter(s)

Parking

  • Parking features: Attached
  • Has garage: 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
  • 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 $2,098$25,176
Home Insurance *$110$1,320
Property Taxes $422$5,064
Electricity $398$4,786
Total$3,028$36,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,817/yr
40% on housing$90,840/yr
45% on housing$80,746/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

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 95386$180
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
2026-04-29Listed for sale$455,000
2017-11-06Sold$205,000
2010-11-05Sold$65,000
2010-05-25Sold$202,532
2009-10-22Listing removed$120,000
2009-09-24Listed for sale$120,000
2006-08-31Sold$272,000
2001-09-14Sold$138,000
1994-12-27Sold$103,500

For Sale by Agent

AgentHerman Bhatti
BrokerageGNN Real Estate

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