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12936 Yosemite Blvd, Waterford, CA, 95386

3beds
2baths
1,596sqft
$449,000
$281price/sqft
$3,060/moest. monthly cost
$122,400/yrincome needed

About This Home

Here is a home on over half an acre! The home includes 3 bedrooms and 2 bathrooms with the primary bedroom and a full bathroom downstairs. This home is designed with a custom charm and some modern touches, including updates to wood and tile flooring, bathroom remodel, and all dual pane vinyl windows throughout. Extra storage in an outbuilding of approximately 330 sq feet. There is additional space and outbuildings for small livestock or pets. The potential uses for the land are many, including possible development of a commercial building, including an office, retail or service business. Also possible is the development for an additional dwelling unit, or more with high density residential possible. All buyers to verify permitted, highest and best use.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
8/10
6/10
Waterford High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1960

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range Hood,Dishwasher,Electric Cooktop
  • Laundry features: Electric Dryer Hookup,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Family Combo,Dining/Living Combo

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,596 sqft

Kitchen

  • Features: Tile Counters

Master Bathroom

  • Features: Shower Stall(s),Tile

Property

Details

  • Zoning description: County Use Code:Trans Comm Hgh Best
  • Special condition: Other

Features

  • Exterior features: Dog Run
  • Fencing: Fenced,Front Yard,Full,Gated Driveway/Sidewalks

Lot

  • Lot size: 0.52 Acres
  • Features: Shape Regular

Parking

  • Parking features: No Garage,RV Access/Parking,RV Possible,Uncovered Parking Spaces 2+,Guest,Gated
  • Has uncovered spaces: Yes

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
    DroughtVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Heat Wave
Inland Flooding
Wildfire
Earthquake
Hail
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 $2,270$27,240
Home Insurance *$119$1,428
Property Taxes $273$3,276
Electricity $398$4,786
Total$3,060$36,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,914/yr
40% on housing$91,800/yr
45% on housing$81,600/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

$281This listing

vs Other Active Listings

Avg $/sqft

ZIP 95386$178
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95386$293
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)

Price History

DateEventPrice
2026-05-06Listed for sale$499,900
2003-01-24Sold$165,000

For Sale by Agent

AgentMichael Madruga
BrokerageSungate Realty

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