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1670 W North Bear Creek Dr, Merced, CA, 95348

2beds
2baths
972sqft
$230,000
$237price/sqft
$1,835/moest. monthly cost
$73,400/yrincome needed

About This Home

What an incredible opportunity for a first-time homebuyer or smart investor! This move-in-ready two-story condo has been beautifully updated with newer vinyl plank flooring throughout, remodeled kitchen with newer appliances, counters, cabinets, fixtures, and seller says refrigerator is included in the sale! Downstairs offers a large living room, dining area, kitchen with breakfast bar, a guest half bath, and a private patio for relaxing and entertaining, with a large outdoor storage room for extra space. Upstairs you'll find two spacious bedrooms, a remodeled full bathroom with a convenient laundry closet, and the washer and dryer are also included in sale! Gated parking includes one assigned space, with plenty of nearby street parking for guests. The HOA includes water, sewer, garbage, front yard and exterior maintenance for easy, hassle-free living. HOA has almost completed the brand new roof! This gem is Ideally located near bike paths, a park with playground, shopping, dining and just minutes from Merced College, a short drive to UC Merced as well. Sale is contingent on seller finding a replacement property.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

3/10
Tenaya Middle SchoolGrades 7-81.3 mi
4/10
Merced High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1984

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: Laundry Closet

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • All Bedrooms Up
  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 972 sqft

Property

Details

  • Parcel number: 058240002000
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: In Ground,Association
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 508 sqft

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
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $1,163$13,956
Home Insurance *$60$720
Property Taxes $214$2,568
Electricity $398$4,786
Total$1,835$22,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,914/yr
40% on housing$55,050/yr
45% on housing$48,933/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 95348$216
Merced County$327

vs Homes Sold Last Month

Median $/sqft

ZIP 95348$245
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
2026-05-07Listed for sale$230,000
2018-08-21Sold$105,000
2018-08-09Pending sale$115,000
2018-07-20Listed for sale$115,000

For Sale by Agent

AgentMonica Franks
BrokerageHomesmart PV & Assoc., Merced

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