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3609 Thomas More Way, Modesto, CA, 95356

2beds
2baths
1,220sqft
$415,000
$340price/sqft
$3,004/moest. monthly cost
$120,160/yrincome needed

About This Home

Discover an inviting home at 3609 Thomas More Way in Modesto, CA. This 1220 square foot residential property offers a ready-to-move-in experience, designed for comfortable living and effortless entertaining. The heart of the home, the kitchen, features a practical peninsula, ideal for casual meals or engaging conversations while preparing culinary delights. Adjacent to this, the living room provides a warm and welcoming atmosphere, centered around a cozy fireplace. Unwind in one of the bathrooms, thoughtfully designed with a refreshing walk-in shower. This charming ranch-style property includes two bedrooms and two bathrooms, providing ample space for relaxation. An attached garage offers convenience and direct access. Step outside to a private yard, an extension of your living space, complete with a fire pit and a dedicated patio area, perfect for enjoying the California sunshine. Beyond the confines of your private sanctuary, community amenities elevate your lifestyle, offering a refreshing pool and a relaxing spa or hot tub. Experience the best of Modesto living; schedule your private viewing today.MOTIVATED SELLER!!!MAKE AN OFFER!!

Getting Around

29
WalkingCar-Dependent
38
TransitSome Transit
48
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Frame,Wood Siding,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Free-Standing Electric Oven,Free-Standing Electric Range,Dryer,Washer

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Other

Features

  • Flooring: Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,220 sqft

Kitchen

  • Features: Breakfast Area,Other Counter

Master Bathroom

  • Features: Shower Stall(s)

Property

Details

  • Parcel number: 076020036000
  • Zoning: R1
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: Community
  • Fencing: Back Yard

Lot

  • Lot size: 3,911 sqft
  • Features: Sprinklers In Front

Parking

  • Total spaces: 2
  • Parking features: 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $2,098$25,176
Home Insurance *$109$1,308
Property Taxes $399$4,788
Electricity $398$4,786
Total$3,004$36,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,994/yr
40% on housing$90,120/yr
45% on housing$80,106/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

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 95356$249
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95356$297
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
2026-07-07Price change$415,000
2026-06-05Listed for sale$425,000
2024-04-16Sold$410,000
2024-03-23Pending sale$412,000
2024-03-15Price change$412,000
2024-02-08Listed for sale$419,000
2024-01-28Contingent$419,000
2024-01-10Listed for sale$419,000
2022-09-02Sold$408,000
2022-08-29Pending sale$415,000
2022-08-13Listed for sale$415,000

For Sale by Agent

AgentPeggy Ann Schaffran
BrokeragePMZ Real Estate

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