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3981 N Bert Crane Rd, Atwater, CA, 95301

3beds
2baths
1,700sqft
$720,000
$424price/sqft
$4,882/moest. monthly cost
$195,280/yrincome needed

About This Home

Discover the charm of country living with this unique property featuring two homes on one lot—perfect for multi-generational living, rental income, or extended guests. The main home offers 3 bedrooms and 2 bathrooms with a spacious layout designed for comfortable living. The large kitchen features durable tile flooring, stainless steel appliances, a 5-burner gas range, and plenty of room for cooking and gathering. New carpet in some rooms for added comfort. A 2-car garage and abundant storage provide added convenience. The separate guest quarters is a charming 2-story, 1-bedroom, 1-bathroom residence with no kitchen, offering privacy and flexibility for family, guests. Enjoy peaceful country living while taking advantage of the versatility this exceptional property has to offer.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
4/10
4/10
Atwater High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Gas Range,Water Heater
  • Laundry features: See Remarks

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down
  • Flooring: Carpet,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Wood Stove
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,700 sqft

Property

Details

  • Parcel number: 056270013000
  • Zoning: A1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 1
  • Entry location: front door
  • Private pool: Yes
  • Pool features: Above Ground,Private
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 2.10 Acres
  • Features: Back Yard,Front Yard,Lawn,Lot Over 40000 Sqft,Yard

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • 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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
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 $3,640$43,680
Home Insurance *$191$2,292
Property Taxes $653$7,836
Electricity $398$4,786
Total$4,882$58,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,382/yr
40% on housing$146,460/yr
45% on housing$130,186/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

$424This listing

vs Other Active Listings

Avg $/sqft

ZIP 95301$217
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)

Price History

DateEventPrice
2026-08-12Contingent$699,900
2026-08-06Price change$699,900
2026-07-13Listed for sale$720,000
2008-07-21Sold$300,000

For Sale by Agent

AgentAndy Krotik
BrokerageKeller Williams Property Team

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