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6807 N Cottage St, Winton, CA, 95388

4beds
2baths
1,300sqft
$365,000
$281price/sqft
$2,673/moest. monthly cost
$106,920/yrincome needed

About This Home

Welcome to 6807 N Cottage Street in Winton! This charming 4-bedroom, 2-bath home sits on a spacious 7,000 sq. ft. lot and offers comfort, functionality, and incredible potential. One of the standout features of this property is the oversized backyard with convenient alley access perfect for RV parking, boats, trailers, work vehicles, or all your recreational toys. The outdoor space provides exceptional flexibility for entertaining, gardening, storage, or future expansion. Located on an R2-zoned lot, this property also presents an excellent opportunity for a possible ADU (Accessory Dwelling Unit), offering added value, rental income potential, or multi-generational living possibilities (buyer to verify with city/county). The zoning and lot layout create exciting long-term possibilities rarely found at this price point. Inside, you'll find a functional floor plan with comfortable living spaces suited for everyday life. Conveniently located near schools, shopping, and commuter routes, this home blends small-town charm with everyday convenience. Whether you're a first-time buyer, investor, or someone looking for room to grow, this property offers space, flexibility, and future potential. Don't miss your chance to make it yours-schedule your private showing today!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

3/10
6/10
Winton Middle SchoolGrades 6-80.7 mi
4/10
Atwater High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range
  • Laundry features: In Garage

Bathroom

  • Features: Separate Shower

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Eat-in Kitchen,Granite Counters,All Bedrooms Down
  • Flooring: Tile,Vinyl
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Floor Furnace
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,300 sqft

Kitchen

  • Features: Granite Counters

Property

Details

  • Parcel number: 146171019000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Front Porch
  • Fencing: Wood
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 7,000 sqft
  • Features: Level

Parking

  • Total spaces: 1
  • Parking features: Garage
  • 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

  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
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 $1,845$22,140
Home Insurance *$110$1,320
Property Taxes $320$3,840
Electricity $398$4,786
Total$2,673$32,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,645/yr
40% on housing$80,190/yr
45% on housing$71,280/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

$281This listing

vs Other Active Listings

Avg $/sqft

ZIP 95388$235
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 95388$304
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
2026-07-03Listed for sale$365,000
2014-08-05Sold$59,500
2014-07-10Price change$40,000
2014-06-26Listed for sale--

For Sale by Agent

AgentMaggie Garcia
BrokerageNext Home Progressive

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