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226 1/2 Ruberto St, Modesto, CA, 95351

4beds
2baths
1,792sqft
$450,000
$251price/sqft
$3,071/moest. monthly cost
$122,840/yrincome needed

About This Home

Great Investment opportunity to buy two updated properties on one lot.

Getting Around

80
WalkingVery Walkable
45
TransitSome Transit
66
BikeBikeable

Schools

6/10
4/10
5/10
Modesto High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Raised,Slab
  • Roof: Composition
  • Construction materials: Frame,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Range Hood,Microwave
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Carpet,Laminate,Tile,Wood

Heating & Cooling

  • Heating features: See Remarks,Other
  • Cooling features: Wall Unit(s),Window Unit(s),See Remarks,Other

Interior Area

  • Total interior livable area: 1,792 sqft

Kitchen

  • Features: Other Counter

Property

Details

  • Parcel number: 102001022000
  • Zoning description: MLT FAM DWLG
  • Special condition: Standard

Features

  • Fencing: Back Yard,Chain Link,Wood,Front Yard

Lot

  • Lot size: 7,000 sqft
  • Features: Corner Lot

Parking

  • Parking features: No Garage

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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $2,275$27,300
Home Insurance *$125$1,500
Property Taxes $273$3,276
Electricity $398$4,786
Total$3,071$36,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,291/yr
40% on housing$92,130/yr
45% on housing$81,893/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

$251This listing

vs Other Active Listings

Avg $/sqft

ZIP 95351$210
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95351$310
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
2026-05-11Pending sale$450,000
2026-02-20Listed for sale$450,000

For Sale by Agent

AgentDavid Leer
BrokerageLeer Properties

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