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217 Semple St, Modesto, CA, 95354

2beds
1baths
1,143sqft
$350,000
$306price/sqft
$2,610/moest. monthly cost
$104,400/yrincome needed

About This Home

This updated two bedroom home sits in the heart of downtown Modesto, offering unbeatable convenience and modern comfort. Recently renovated, it features a updated kitchen with contemporary finishes and a fully updated bathroom designed for style and functionality. The property sits on a large, spacious lot with a detached garage and an access road behind the home, an ideal setup for adding an ADU, second residence, or expanded parking. Whether you're looking for a turnkey home, an investment opportunity, or space to grow, this property delivers flexibility and value. A rare find in a prime location, ready for its next chapter.

Getting Around

88
WalkingVery Walkable
44
TransitSome Transit
61
BikeBikeable

Schools

4/10
4/10
4/10
Thomas Downey High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1921

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: DiningFamilyCombo

Family Room

  • Features: Other, SeparateFamilyRoom

Features

  • Flooring: Laminate
  • Fireplace features: Living Room

Heating & Cooling

  • Heating features: Central Forced Air Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,143
  • Total interior livable area: 1,143 sqft

Property

Details

  • Parcel number: 111007030000
  • Zoning: r1
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 5,940 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

Earthquake

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 $1,769$21,228
Home Insurance *$102$1,224
Property Taxes $341$4,092
Electricity $398$4,786
Total$2,610$31,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,485/yr
40% on housing$78,300/yr
45% on housing$69,600/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

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 95354$235
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95354$309
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
2026-08-10Contingent$350,000
2026-07-11Listed for sale$350,000
2025-12-08Listing removed$365,000
2025-12-05Contingent$365,000
2025-08-20Listed for sale$365,000
2025-05-05Listing removed$356,000
2025-05-02Listed for sale$356,000
2025-03-26Pending sale$356,000
2025-03-21Listed for sale$356,000
2020-06-22Listing removed$260,000
2020-05-17Pending sale$260,000
2020-05-12Price change$260,000
2020-05-02Listed for sale$285,000
2019-09-05Sold$60,000
2008-05-28Sold$108,000
2007-06-18Sold$217,669
2006-06-15Sold$304,000
2002-10-31Sold$164,900
2001-01-12Sold$89,000

For Sale by Agent

AgentCarol Pefley
BrokerageRealty World Dominion

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