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446 Port St, Los Banos, CA, 93635

4beds
3baths
2,348sqft
$525,000
$224price/sqft
$3,882/moest. monthly cost
$155,280/yrincome needed

About This Home

Welcome to this beautifully maintained tri-level home offering the perfect blend of space, functionality, and comfort - ideal for growing families, multi-generational living, or those who simply love room to spread out. This gorgeous home offers 4 bedrooms & 3 full bathrooms, including one bedroom & full bath downstairs. With a well designed layout, you'll enjoy both a formal living room & dining room, creating an elegant space for entertaining, while the open-concept kitchen flows seamlessly into a cozy breakfast nook and inviting view of the family room space with a wood burning fireplace and built-in bar. With ample storage throughout, this versatile floor plan creates an inviting layout with custom features & thoughtful upgrades. Canister lighting, ceiling fans, crown molding, custom baseboards, gorgeous tile and wood plank design vinyl flooring, interior & exterior security cameras - owned, central heat & air, newer appliances and so much more! This home highlights a large indoor laundry room, 3 car garage, custom concrete in the front & backyard, covered patio and gazebo, storage shed plus possible RV/Boat or trailer parking if desired. Located walking distance to an elementary school, but situated on a quiet low-traffic street. This large property is perfect for entertaining guests, inviting extended family expanding your creativity with a backyard large enough for an ADU and so much more.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

4/10
5/10
Pacheco High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Dishwasher,Disposal,Microwave,Other,Free-Standing Gas Oven
  • Laundry features: Cabinets,Space For Frzr/Refr,Ground Floor,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Nook,Formal Area

Features

  • Flooring: Tile,Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,348 sqft

Kitchen

  • Features: Breakfast Area,Ceramic Counter,Pantry Closet,Kitchen Island

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Soaking Tub,Window

Master Bedroom

  • Features: Walk-In Closet

Property

Details

  • Parcel number: 082583004000
  • Zoning description: R1
  • Special condition: Standard

Features

  • Fencing: Back Yard

Lot

  • Lot size: 6,651 sqft
  • Features: Sprinklers In Front,Curb(s)/Gutter(s),Street Lights

Parking

  • Total spaces: 3
  • Parking features: Attached,RV Possible,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Drought
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 $2,654$31,848
Home Insurance *$134$1,608
Property Taxes $591$7,092
Electricity $503$6,041
Total$3,882$46,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,097/yr
40% on housing$116,460/yr
45% on housing$103,520/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

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 93635$252
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 93635$266
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)

Price History

DateEventPrice
2026-03-26Listed for sale$525,000
2010-11-12Sold$150,000
2010-05-15Listed for sale$136,500
2005-05-23Sold$500,000
2001-04-27Sold$230,000

For Sale by Agent

AgentKatrina Sousa
BrokeragePMZ Real Estate

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