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1168 Copper Cottage Ln, Modesto, CA, 95355

3beds
3baths
1,951sqft
$565,000
$290price/sqft
$3,938/moest. monthly cost
$157,520/yrincome needed

About This Home

Nestled within one of Modesto's most sought-after gated communities, Copper Creek, this rare floor plan offers elegance and comfort in perfect harmony. Featuring soaring ceilings, a gourmet kitchen, and sunlit living spaces, this home is designed for both relaxation and entertaining. With access to exclusive community amenities and the peace of mind of secure living, this is your chance to own a piece of Copper Creek luxury opportunities like this don't come often!

Getting Around

4
WalkingCar-Dependent
28
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

6/10
3/10

Construction

Condition

  • Year built: 1990

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Range,Free-Standing Refrigerator,Ice Maker,Dishwasher,Disposal,Microwave,Plumbed For Ice Maker,Dryer,Washer
  • Laundry features: Laundry Closet,Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen,Dining/Living Combo

Features

  • Flooring: Carpet,Concrete,Cork,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,951 sqft

Kitchen

  • Features: Pantry Cabinet,Granite Counters,Island w/Sink,Tile Counters

Master Bathroom

  • Features: Closet,Shower Stall(s),Double Vanity,Jetted Tub,Tile

Master Bedroom

  • Features: Outside Access

Property

Details

  • Parcel number: 070010003000
  • Zoning description: RES
  • Special condition: Trust

Features

  • Private pool: Yes
  • Pool features: In Ground,Community,Fenced,Gunite
  • Exterior features: Uncovered Courtyard
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Back Yard
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 4,957 sqft
  • Features: Auto Sprinkler F&R,Shape Regular,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Drought
Earthquake

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 $2,856$34,272
Home Insurance *$158$1,896
Property Taxes $506$6,072
Electricity $418$5,020
Total$3,938$47,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,017/yr
40% on housing$118,140/yr
45% on housing$105,013/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

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 95355$223
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95355$285
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
2026-04-27Price change$565,000
2026-03-04Price change$575,000
2025-12-18Listed for sale$580,000
2001-09-18Sold$270,000

For Sale by Agent

AgentLorraine Cardoza
BrokeragePMZ Real Estate

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