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465 Center St, Atwater, CA, 95301

3beds
2baths
1,730sqft
$425,000
$246price/sqft
$2,666/moest. monthly cost
$106,640/yrincome needed

About This Home

Come and discover this beautifully updated and lovingly maintained home that is ready for its next owner! From the moment you arrive, you'll be charmed by the inviting covered front porch surrounded by an array of attractive landscaping and mature plants. Step inside to a spacious and open family room featuring brand-new luxury vinyl plank flooring, new baseboards, and fresh interior paint throughout, creating a warm and modern feel. The bright and airy kitchen offers an abundance of cabinetry for storage, a convenient breakfast bar overlooking the dining area, and French doors leading to a versatile hobby room, office, or craft space. Both secondary bedrooms are generously sized and share a hall bathroom complete with tile flooring and a shower-over-tub combination. The primary suite is large and comfortable, offering ample closet space and a private bathroom with a Shower over tub. The backyard provides a peaceful setting with a variety of plants and landscaping, perfect for relaxing or gardening. This move-in ready home has been lovingly cared for and is waiting for a new owner to make it their own!

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

4/10
4/10
Atwater High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Free-Standing Range,Disposal,Microwave
  • Laundry features: In Garage

Bathroom

  • Features: Tub Shower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s)
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,730 sqft

Kitchen

  • Features: Tile Counters

Property

Details

  • Parcel number: 002251012000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: South
  • Pool features: None
  • Spa features: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 7,200 sqft
  • Features: Sprinklers In Rear,Sprinklers In Front

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Merced 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 $2,149$25,788
Home Insurance *$113$1,356
Property Taxes $6$72
Electricity $398$4,786
Total$2,666$31,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,405/yr
40% on housing$79,980/yr
45% on housing$71,093/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 95301$220
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 95301$265
Merced County$264

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
2026-08-08Pending sale$415,000
2026-08-06Price change$415,000
2026-06-26Listed for sale$425,000

For Sale by Agent

AgentBethany Mendoza
BrokeragePmz Real Estate, Modesto #3

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