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4639 Sami Jo Dr, Merced, CA, 95348

4beds
2baths
1,885sqft
$487,000
$258price/sqft
$3,456/moest. monthly cost
$138,240/yrincome needed

About This Home

Positioned for both comfortable living and strong investment potential, this newly constructed 4-bedroom, 2-bath home offers a bright, open-concept floor plan designed to attract today’s tenants or owner-occupants alike. The home comes fully equipped with essential appliances, including a washer and dryer, making it truly move-in ready. Energy-efficient features such as an installed solar system with a Tesla battery help reduce utility costs, an appealing benefit for both owners and renters. A low-maintenance backyard keeps upkeep simple while still providing functional outdoor space. Located within the highly rated school boundaries of Rivera Elementary, Cruickshank Middle, and El Capitan High School, the property is well-situated for long-term rental demand. Whether you’re looking to expand your portfolio or secure a home with income potential, this property offers a great combination of modern construction, efficiency, and location.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
El Capitan HighGrades 9-121.0 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 2025

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathroom Exhaust Fan,Separate Shower,Tub Shower

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down
  • Flooring: Carpet,Vinyl
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,885 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo,Quartz Counters

Property

Details

  • Parcel number: 224330053000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Fencing: Wood
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 5,123 sqft
  • Features: Back Yard,Desert Front

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,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

  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
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 $2,462$29,544
Home Insurance *$127$1,524
Property Taxes $463$5,556
Electricity $404$4,850
Total$3,456$41,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,491/yr
40% on housing$103,680/yr
45% on housing$92,160/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 95348$214
Merced County$326

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
2026-04-20Listing removed$2,375
2026-04-06Price change$2,375
2026-03-27Listed for sale$487,000
2026-02-19Price change$2,500
2026-02-04Listed for rent$2,700
2026-02-02Listing removed$2,820
2025-12-22Listed for rent$2,820
2025-12-18Sold$468,000
2025-10-28Listed for sale$519,780

For Sale by Agent

AgentArmando Diaz
BrokerageSoldavi Inc.

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