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2828 Villarreal Way, Modesto, CA, 95354

3beds
3baths
1,525sqft
$389,000
$255price/sqft
$2,827/moest. monthly cost
$113,080/yrincome needed

About This Home

This Valencia Plaza home features 3 bedrooms, 2 1/2 baths, 1525 square feet of living space, separate living room and family room, fireplace in the family room, formal dining area and an inside laundry room. Within walking distance to Creekside Golf Course and Dry Creek Regional Park.

Getting Around

21
WalkingCar-Dependent
26
TransitSome Transit
53
BikeBikeable

Schools

5/10
6/10
3/10

Construction

Condition

  • Year built: 1984

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Free-Standing Electric Range
  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Dining/Living Combo

Features

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

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,525 sqft

Kitchen

  • Features: Pantry Cabinet,Tile Counters

Property

Details

  • Parcel number: 033087005000
  • Zoning: R1
  • Special condition: Offer As Is

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 3,789 sqft
  • Features: Curb(s)/Gutter(s),Zero Lot Line

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Front
  • 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 FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
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 $1,966$23,592
Home Insurance *$114$1,368
Property Taxes $349$4,188
Electricity $398$4,786
Total$2,827$33,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,925/yr
40% on housing$84,810/yr
45% on housing$75,386/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 95354$234
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95354$309
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
2026-07-25Listed for sale$389,000
2026-07-17Pending sale$389,000
2026-07-10Listed for sale$389,000

For Sale by Agent

AgentNinon Lapan-Dalman
BrokerageWeeks Real Estate

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