See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

324 Church Ave, Oakdale, CA, 95361

2beds
1baths
1,172sqft
$418,000
$357price/sqft
$2,878/moest. monthly cost
$115,120/yrincome needed

About This Home

Welcome to this beautifully remodeled 2-bedroom, 1-bath home offering 1,172 square feet of comfortable living space on a generous 0.16-acre lot. Originally built in 1915, this home blends timeless character with thoughtfully updated modern amenities. Recent improvements include a newer 30-year composition roof, HVAC condenser, exterior stucco, fresh interior and exterior paint, and a fully remodeled bathroom completed with permits through the City of Oakdale. The functional floor plan features a spacious family and dining room combination with built-in storage cabinets, creating a warm and inviting gathering space. The kitchen comes equipped with a free-standing gas range, dishwasher, and refrigerator, making it move-in ready. A dedicated laundry room offers added convenience and could also serve as a practical mud room. Enjoy year-round comfort with the expansive backyard providing plenty of room for gardening, entertaining, or future possibilities, and includes a convenient storage shed for tools and equipment. Conveniently located near schools, parks, shopping, and downtown Oakdale amenities, this turnkey home is an excellent opportunity for first-time buyers, downsizers, or anyone seeking a beautifully updated property with classic charm.

Getting Around

85
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

6/10
4/10
6/10
Oakdale High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1915

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Stucco,Frame,Wood,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator,Range Hood,Dishwasher
  • Laundry features: Laundry Room,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Family Combo

Features

  • Flooring: Carpet,Tile,Other

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,172 sqft

Kitchen

  • Features: Other Counter

Master Bedroom

  • Features: Closet

Property

Details

  • Zoning: R1
  • Special condition: Offer As Is

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard
  • Topography of land: Level,Level

Lot

  • Lot size: 6,969 sqft
  • Features: Shape Regular,Other

Parking

  • Total spaces: 4
  • Parking features: RV Possible,Other
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Stanislaus 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 $2,113$25,356
Home Insurance *$113$1,356
Property Taxes $254$3,048
Electricity $398$4,786
Total$2,878$34,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,674/yr
40% on housing$86,340/yr
45% on housing$76,746/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$357This listing

vs Other Active Listings

Avg $/sqft

ZIP 95361$326
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95361$297
Stanislaus County$303

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
2026-08-17Pending sale$395,000
2026-08-09Price change$395,000
2026-07-27Price change$418,000
2026-07-14Listed for sale$438,000
2017-12-29Sold$258,000

For Sale by Agent

AgentDaniel Maciel
BrokerageAtlantic Realty

Similar Homes