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21188 Elgin Ave, Dos Palos, CA, 93620

4beds
2baths
2,771sqft
$398,000
$144price/sqft
$2,955/moest. monthly cost
$118,200/yrincome needed

About This Home

Great Opportunity! Discover the potential of this approximately 3.7 acre property,offering city water access and a prime location near shopping and schools. With ample space and future possibilities for housing development,this is a rare find. Please note: The structure on the property is currently under renovation and entry is not permitted. Seize this chance to invest in a property brimming with opportunity.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

--
1/10
Bryant Middle SchoolGrades 6-81.7 mi
5/10
Dos Palos High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Other
  • Roof: Other
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Other

Features

  • Flooring: Other

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total interior livable area: 2,771 sqft

Kitchen

  • Features: Other Counter

Property

Details

  • Zoning description: SFR
  • Special condition: Standard

Lot

  • Lot size: 3.75 Acres
  • Features: Other

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Drought
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 $2,012$24,144
Home Insurance *$127$1,524
Property Taxes $222$2,664
Electricity $594$7,130
Total$2,955$35,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,314/yr
40% on housing$88,650/yr
45% on housing$78,800/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 93620$202
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 93620$246
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)

No zestimate history available

Price History

DateEventPrice
2026-03-24Price change$398,000
2025-12-31Price change$449,000
2025-09-16Price change$469,000
2024-12-27Listed for sale$489,000

For Sale by Agent

AgentSuzanne Cole
BrokerageBerkshire Hathaway HomeServices-Drysdale Properties

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