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139 Sterling St, Los Banos, CA, 93635

5beds
4baths
2,428sqft
$599,000
$247price/sqft
$4,429/moest. monthly cost
$177,160/yrincome needed

About This Home

Welcome to this beautifully upgraded 2020-built home offering 5 bedrooms, 3.5 bathrooms, 2,428 square feet of living space, and situated on an expansive 8,400-square-foot lot in one of Los Banos most desirable neighborhoods. From the moment you step inside, you’ll be impressed by the bright, open-concept floor plan highlighted by a truly one-of-a-kind custom staircase and loft railing, handcrafted with wrought iron spindles, rich cedar wood, and stunning black walnut burl live-edge accents. Luxury vinyl flooring flows seamlessly throughout both levels, complemented by ceiling fans throughout the home for year-round comfort. Designed for both everyday living and entertaining, the main level features separate living and family rooms, along with a private junior suite complete with its own full bathroom—perfect for multi-generational living, guests, or a private home office. The kitchen showcases granite countertops, abundant cabinetry, and elegant custom under- and above-cabinet lighting that creates a warm, inviting atmosphere. Upstairs, you’ll find four additional bedrooms, including a spacious primary suite with an oversized en-suite bathroom, along with a versatile loft ideal for a media room, play area, or home office. Enjoy breathtaking mountain sunsets right from the upstairs living space. Step outside to a beautifully landscaped backyard designed for relaxation and entertaining. The oversized lot offers ample room to build the pool of your dreams while still providing generous outdoor living space. Parking for a boat or RV and a large storage shed adds convenience, and the yard is enhanced by mature landscaping featuring a vibrant Red Push Pistachio tree along with an impressive collection of fruit trees including lemon, lime, mandarin, Honeycrisp apple, Bing cherry, plum, and pomegranate. This home is loaded with energy-efficient features, including a PAID SOLAR SYSTEM, dual-zone heating and air conditioning, a tankless water heater, energy-efficient lighting, and a premium citrus-based water softener with carbon filtration system. Ideally located with easy access to shopping, downtown Los Banos, and Bay Area commuting routes, this home is also within walking distance of two neighborhood parks. Nestled in a quiet, peaceful community with wonderful neighbors, this exceptional property offers the perfect blend of luxury, functionality, and modern efficiency. Don’t miss this rare opportunity to own a move-in-ready home that truly has it all.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
5/10
Pacheco High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2020

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal
  • Laundry features: Inside

Bathroom

  • Features: Bathtub,Separate Shower,Tub Shower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 4
  • Main level bedrooms: 5

Features

  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,428 sqft

Property

Details

  • Parcel number: 081180027000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 8,400 sqft
  • Features: Back Yard,Front Yard,Lawn,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage,RV Potential
  • 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
    EarthquakeRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Drought
Heat Wave
Lightning

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 $3,028$36,336
Home Insurance *$153$1,836
Property Taxes $728$8,736
Electricity $520$6,247
Total$4,429$53,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,851/yr
40% on housing$132,870/yr
45% on housing$118,106/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: 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

$247This listing

vs Other Active Listings

Avg $/sqft

ZIP 93635$252
Merced County$326

vs Homes Sold Last Month

Median $/sqft

ZIP 93635$266
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)

Price History

DateEventPrice
2026-08-10Price change$550,000
2026-08-07Price change$589,000
2026-07-21Listed for sale$599,000
2020-10-23Sold$416,000
2020-06-24Listing removed$399,900
2020-06-23Pending sale$399,900
2020-06-20Listed for sale$399,900

For Sale by Agent

AgentMax Madayag
BrokerageKeller Williams Property Team

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