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686 Mockingbird Ct, Merced, CA, 95340

4beds
3baths
2,523sqft
$575,000
$228price/sqft
$4,192/moest. monthly cost
$167,680/yrincome needed

About This Home

Welcome home to this stunning Mansionette Estates gem, perfectly situated on a spacious cul-de-sac lot in one of North Merced’s most sought-after neighborhoods! Offering 4 bedrooms, 3 bathrooms, and the rare convenience of two primary suites, this thoughtfully designed home provides exceptional flexibility for multigenerational living, guests, or a private home office. Inside, you’ll find beautiful granite countertops, newer flooring, and a newer HVAC system, creating a stylish and comfortable living space that’s truly move-in ready. The luxurious main primary suite is a true retreat, featuring a cozy fireplace and a spacious en-suite bath. Even better, every bedroom offers its own walk-in closet, providing an abundance of storage throughout the home. With owned solar, you’ll also enjoy energy efficiency and long-term savings. Step outside to an entertainer’s dream! The expansive covered patio is perfect for hosting family gatherings, weekend barbecues, or simply relaxing in the shade. The oversized backyard offers plenty of room to create your dream outdoor oasis, including space for a pool while still leaving room to play, garden, or unwind. Located in an amazing North Merced location close to shopping, dining, parks, schools, and UC Merced, this exceptional home combines comfort, convenience, and timeless appeal. Opportunities like this don’t come along often...schedule your private showing today and discover everything this incredible Mansionette Estates property has to offer! *bed and bath count is different than tax records if important buyer to verify

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
72
BikeVery Bikeable

Schools

5/10
El Capitan HighGrades 9-122.3 mi

Construction

Condition

  • Year built: 2003

Type & Style

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

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Bedroom on Main Level,Main Level Primary
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,523 sqft

Master Bedroom

  • Features: Main Level Primary

Property

Details

  • Parcel number: 231052024000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.29 Acres
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Drought
Earthquake
Lightning
Wildfire

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 $2,907$34,884
Home Insurance *$202$2,424
Property Taxes $542$6,504
Electricity $541$6,492
Total$4,192$50,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,725/yr
40% on housing$125,760/yr
45% on housing$111,786/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 95340$239
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 95340$239
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
2026-08-11Pending sale$575,000
2026-07-30Listed for sale$575,000
2003-12-31Sold$285,000

For Sale by Agent

AgentLarissa Sherman
BrokerageLondon Properties Ltd, Atwater

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