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628 Stephen Court, Benicia, CA, 94510

5beds
4baths
4,233sqft
$1,349,000
$319price/sqft
$9,527/moest. monthly cost
$381,080/yrincome needed

About This Home

Welcome to 628 Stephen Court, located in the serene and highly desirable Waters End neighborhood. This stunning 5-bedroom, 4-bath residenceplus a dedicated movie theateroffers over 4,200 square feet of thoughtfully updated living space on a spacious 10,000 square-foot lot. The home features a two-car garage and an extended driveway with room to park up to two additional vehicles. The expansive backyard is fully enclosed with a newer fence, making it ideal for entertaining, pets, or future enhancements. With no rear neighbors, you'll enjoy unobstructed, tranquil views of the scenic Benicia hills. Upon entry, the home welcomes you with twin parlors, a formal dining room, a comfortable family room, and a large open-concept kitchen complete with stainless steel appliances and elegant countertops. A convenient ground-level bedroom and full bathroom provide flexibility for guests or multigenerational living. Upstairs, you'll find a custom sound-proof movie theater, a study nook, four additional bedrooms, and three full bathrooms. The luxurious primary suite has been extensively remodeled with over $100,000 in upgrades, featuring a spa-like bathroom with a massive walk-in shower with multiple shower heads, heated floors, a soaking tub,fireplace, television, and a private saunadesigned for ultimate relaxation and rejuvenation. This exceptional home blends space, comfort, and high-end finishes in a peaceful settingtruly a rare offering in Waters End.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

6/10
Benicia Middle SchoolGrades 6-82.0 mi
9/10
Benicia High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2009

Type & Style

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

Interior

Appliances

  • Laundry features: Cabinets,Hookups Only,Sink

Bathroom

  • Level: Main,Upper

Bedroom

  • Level: Main,Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Gas Starter
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s),MultiUnits
  • Cooling features: Central Air,MultiZone

Interior Area

  • Total structure area: 4,233
  • Total interior livable area: 4,233 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 0083521100
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 10,341 sqft
  • Features: Auto Sprinkler F&R,Court,Landscape Front,Low Maintenance

Parking

  • Total spaces: 5
  • Parking features: Attached,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
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Solano County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
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 $6,821$81,852
Home Insurance *$277$3,324
Property Taxes $1,522$18,264
Electricity $907$10,892
Total$9,527$114,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$326,640/yr
40% on housing$285,810/yr
45% on housing$254,053/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$319This listing

vs Other Active Listings

Avg $/sqft

ZIP 94510$382
Solano County$282

vs Homes Sold Last Month

Median $/sqft

ZIP 94510$459
Solano County$346

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
2026-02-02Listed for sale$1,450,000
2022-11-22Listing removed$1,450,000
2022-11-10Price change$1,450,000
2022-10-07Listed for sale$1,499,000
2019-06-28Sold$915,000
2019-05-31Pending sale$925,000
2019-05-24Listed for sale$925,000
2019-05-11Pending sale$925,000
2019-04-26Listed for sale$925,000
2017-08-10Sold$875,000
2014-08-21Sold$750,000
2009-11-23Sold$650,000

For Sale by Agent

AgentMario A Moreno Uribe
BrokerageLevel Up Realty

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