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1221 Center Ln, Los Banos, CA, 93635

2beds
1baths
788sqft
$320,000
$406price/sqft
$2,388/moest. monthly cost
$95,520/yrincome needed

About This Home

A charming 2 bedroom/1 bathroom home. This home is a great starter home for a first-time home buyer just starting out or for an investor looking to add another property to their portfolio. A wide side gate to the the right of the home offers great backyard access, and a possible RV access/pull up. 1221 Center Lane is located near downtown and offering easy access to Highway 152 for commuters

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

2/10
2/10
Creekside Junior HighGrades 7-81.3 mi
4/10
Los Banos High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1937

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Range Hood,Dryer,Washer
  • Laundry features: Laundry Room,Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen

Features

  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 788 sqft

Kitchen

  • Features: Breakfast Area,Other Counter,Laminate Counters

Master Bedroom

  • Features: Closet

Property

Accessibility

  • Accessibility features: Shower(s)

Details

  • Parcel number: 026032037000
  • Zoning: SFR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard

Lot

  • Lot size: 3,075 sqft
  • Features: Curb(s)/Gutter(s),Other,Low Maintenance

Parking

  • Parking features: No Garage,RV Access/Parking,RV Possible,RV Storage,Uncovered Parking Spaces 2+,Other,Driveway
  • 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

  • Earthquake
    EarthquakeVery High
  • Heat Wave
    Heat WaveRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Drought
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 $1,618$19,416
Home Insurance *$82$984
Property Taxes $290$3,480
Electricity $398$4,786
Total$2,388$28,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,874/yr
40% on housing$71,640/yr
45% on housing$63,680/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

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 93635$253
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 93635$266
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)

Price History

DateEventPrice
2026-07-22Listed for sale$320,000
2024-06-05Sold$300,000
2024-05-10Pending sale$299,900
2024-05-06Price change$299,900
2024-04-29Price change$319,900
2024-04-04Listed for sale$329,000
2023-10-23Listing removed--
2023-09-25Listed for sale$299,900
2023-06-07Sold$207,769

For Sale by Agent

AgentMiguel Munoz
BrokerageLaber Enterprises

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