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4894 Mari Cruz Ln, Merced, CA, 95348

4beds
2baths
1,969sqft
$519,403
$264price/sqft
$3,473/moest. monthly cost
$138,920/yrincome needed

About This Home

Spacious Living: With 4 bedrooms, 2 bathrooms and a Casita. There's ample room for your family to spread out and enjoy. Gourmet Kitchen: Cook up culinary delights in the modern kitchen equipped with plenty of counter space. Two-Car Garage: Keep your vehicles safe and sound in the attached 2-car garage. New Construction: Enjoy the benefits of a brand-new home with all the lates features and finishes. Proximity to UC Merced: Perfect for faculty, staff, or students, this home is conveniently located near UC Merced, making your daily commute a breeze. Leased Solar. Under construction. Estimate completion October 2026.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
El Capitan HighGrades 9-120.7 mi

Construction

Condition

  • Property condition: Turnkey
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Disposal,Microwave
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Inside,Laundry Room

Bathroom

  • Features: Bathroom Exhaust Fan

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen
  • Door features: Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Carpet,Laminate
  • 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: 1,969 sqft

Kitchen

  • Features: Granite Counters

Property

Details

  • Parcel number: 224380019
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Patio & porch: None
  • Spa features: None
  • Fencing: New Condition
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 10,617 sqft
  • Features: Sprinklers In Front,Sprinklers Timer,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Driveway,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 $2,626$31,512
Home Insurance *$135$1,620
Property Taxes $290$3,480
Electricity $422$5,066
Total$3,473$41,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,074/yr
40% on housing$104,190/yr
45% on housing$92,613/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

$264This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$519,403
2026-07-31Listed for sale$519,403

New Construction

AgentMontana Gardner
BrokerageAdvanced Market Realty, Inc

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