520 D St, Waterford, CA, 95386
About This Home
Come see this charming and recently updated home located in a quiet, established neighborhood. Situated on a spacious lot with alley access, by county you can build a second home on the land. the property features new gate and graveled RV/trailer parking with two sewer hookups. This property offers excellent owner-occupant or investment potential. The home is currently tenant-occupied paying $1,800 per month. In addition, the property includes a separately rented RV/trailer space with private alley access and utility hookups, generating an additional $1,000. per month in rental income. Recent upgrades include LED lighting, ceiling fans, fresh interior paint, stainless steel appliances, granite countertops, decorative backsplash, laminate flooring, washer, dryer and refrigerator included. Additional features include a spacious laundry room with a closet, smart portable heating and air conditioning unit, electric water heater, living room with a mini-split heating and cooling system, bricks driveway with parking for 2-3 vehicles, and an upgraded 200-amps electrical panel with a new additional utility pole on the property. Offered at $319,900. According to the city of Waterford you can build an ADU UP TO 1200 square feet. Buyer to verify all property information, rental income etc.to their satisfaction. Pictures were taken 5 months ago before tenants move in. Contact your favorite Realtor today to schedule a private showing!
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1946
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Stucco,Frame,Wood
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Free-Standing Gas Range,Gas Plumbed,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker,Electric Water Heater,Free-Standing Gas Oven,Dryer,Washer/Dryer Stacked,Washer,Washer/Dryer Stacked Included
- Laundry features: Inside,Inside Room
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Features: Space in Kitchen,Formal Area,Other
Features
- Flooring: Laminate,Tile
Heating & Cooling
- Heating features: Electric,Smart Vent,See Remarks
- Cooling features: Ceiling Fan(s),Smart Vent,Central Air,See Remarks,Room Air
Interior Area
- Total structure area: 0
- Total interior livable area: 648 sqft
Kitchen
- Features: Granite Counters
Property
Details
- Parcel number: 134010042000
- Zoning: R2
- Special condition: Offer As Is,Standard
Lot
- Lot size: 5,279 sqft
- Features: Private,Other
Parking
- Parking features: Alley Access,RV Possible,Uncovered Parking Space,Interior Access
- 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
- Heat Wave
- Inland Flooding
- Wildfire
- Earthquake
- Hail
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Stanislaus County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,617 | $19,404 |
| Home Insurance * | $84 | $1,008 |
| Property Taxes | $339 | $4,068 |
| Electricity | $398 | $4,786 |
| Total | $2,438 | $29,256 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-15 | Price change | $309,900 |
| 2026-07-04 | Price change | $319,900 |
| 2026-06-10 | Listed for sale | $329,900 |
| 2024-03-26 | Sold | $203,000 |
| 2024-03-21 | Pending sale | $179,000 |
| 2024-03-18 | Listed for sale | $179,000 |
| 2023-02-22 | Sold | $90,100 |
| 2015-07-10 | Sold | $84,000 |
| 2015-06-06 | Price change | $89,000 |
| 2015-05-21 | Price change | $90,000 |
| 2015-05-05 | Listed for sale | $95,500 |
| 2013-12-20 | Sold | $70,000 |
| 2009-02-04 | Sold | $47,000 |
| 2008-12-22 | Listed for sale | $39,900 |
| 2005-06-03 | Sold | $175,000 |
| 1998-08-27 | Sold | $30,000 |
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