$500,000
SOLD AUG 29, 2025

440 The Bluff Modesto, CA 95355

Northeast Modesto Neighborhood
4 Beds
3.5 Baths
1,946 Sq Ft
5,048 Sq Ft Lot

Recently Sold

$257 Per Sq Ft

3% Below List Price

73 Days on Market

Highlights

  • In Ground Pool
  • Cathedral Ceiling
  • Great Room
  • Gated Community
  • Main Floor Bedroom
  • Granite Countertops

About This Home

As of August 2025

Summertime fun! Jump into summer in this beautiful professionally maintained pool and private backyard. The home has two primary suites. New carpet and fresh paint makes this home move in ready. Did I mention water is included in the HOA dues as well as front landscaping maintenance. This is a lovely home in a gated community and a convenience location.

Last Agent to Sell the Property

Matt Eshoo

Pacific Alliance Real Estate License #01005382 Listed on: 06/13/2025

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2001

Lot Details

  • 5,048 Sq Ft Lot
  • Landscaped
  • Front Yard Sprinklers

HOA Fees

  • $305 Monthly HOA Fees

Parking

  • 2 Car Garage
  • 2 Open Parking Spaces
  • Front Facing Garage

Home Design

  • Concrete Foundation
  • Slab Foundation
  • Tile Roof
  • Stucco

Interior Spaces

  • 1,946 Sq Ft Home
  • 2-Story Property
  • Cathedral Ceiling
  • Gas Fireplace
  • Great Room
  • Family Room
  • Combination Dining and Living Room

Kitchen

  • Breakfast Area or Nook
  • Granite Countertops
  • Quartz Countertops

Flooring

  • Carpet
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Main Floor Bedroom
  • Tile Bathroom Countertop
  • Dual Sinks
  • Bathtub with Shower

Home Security

  • Carbon Monoxide Detectors
  • Fire and Smoke Detector

Pool

  • In Ground Pool

Utilities

  • Central Heating and Cooling System
  • 220 Volts
  • Internet Available
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 034-029-007-000

Community Details

Overview

  • Association fees include common areas, water
  • The Bluff HOA, Phone Number (209) 576-0934
  • Low-Rise Condominium
  • Greenbelt

Security

  • Gated Community

Home Details

Home Type

Single Family

Year Built

Built in 2001

Lot Details

0

HOA Fees

$305 per month

Parking

2

Listing Details

  • Type: Residential
  • Property Sub Type: Single Family Residence
  • Subtype Description: Detached, Low-Rise (1-3)
  • Directions To Property: Scenic to the Bluff.
  • Lot Size Acres: 0.1159
  • Stories: 2
  • Special Features: None

Interior Features

  • Number Of Fireplaces: 1
  • Bedrooms: 4
  • Half Bathrooms: 1
  • Full Bathrooms: 3
  • Dining Room Features: Dining/Living Combo
  • Living Room Features: Cathedral/Vaulted, Great Room
  • Flooring: Carpet, Tile, Vinyl
  • Square Footage: 1946.00
  • Bathroom Features: Double Sinks, Fiberglass, Tile, Tub w/Shower Over
  • Bathrooms: 4
  • Fireplace Features: Gas Piped
  • Kitchen Features: Breakfast Area, Quartz Counter, Granite Counter, Stone Counter
  • Main Level: Bedroom(s), Living Room, Dining Room, Family Room, Garage, Kitchen

Exterior Features

  • Construction Materials: Stucco, Wood
  • Foundation: Concrete, Slab
  • Lot Features: Auto Sprinkler Front, Curb(s)/Gutter(s), Gated Community, Landscape Front
  • Roof: Tile
  • Pool Features: Built-In

Garage/Parking

  • Parking Features: Garage Facing Front
  • Garage Spaces: 2.00
  • OpenParkingSpaces: 2.00

Utilities

  • Cooling: Central
  • Electric: 220 Volts
  • Security Features: Carbon Mon Detector, Smoke Detector
  • Sewer: Public Sewer
  • Utilities: Cable Available, Public, Electric, Internet Available, Natural Gas Available
  • Water Source: Public
  • Heating: Central
  • Laundry Features: Cabinets

Association/Amenities

  • Association Features: Greenbelt

Condo/Co-op/Association

  • Association Fee: 305
  • Association Fee Frequency: Monthly
  • Association Name: The Bluff HOA
  • Association Phone: (209) 576-0934

Fee Information

  • Association Fee Includes: Common Areas, Water

Schools

  • Middle/Junior School District: Modesto City

Lot Info

  • Assessor Parcel Number: 034-029-007-000
  • Lot Size Sq Ft: 5048.00

Building Info

  • Year Built: 2001

MLS Schools

  • Senior High School District: Modesto City
  • School District (County): Stanislaus

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 13, 2025
Closed on
Aug 27, 2025
Sold by
Tina L Matschinegg Special Needs Trust and Matschinegg Edward L
Bought by
Lewis Ashley Monique
Seller's Agent
Matt Eshoo
Pacific Alliance Real Estate
List Price
$518,000
Sold Price
$500,000
Premium/Discount to List
-$18,000
-3.47%
Views
130
Current Estimated Value
$501,754

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,754
Avg. Annual Appreciation
1.07%
Original Mortgage
$15,000
Outstanding Balance
$15,000
Interest Rate
6.75%
Mortgage Type
FHA
Estimated Equity
$486,754

Purchase Details

Listed on
Jun 13, 2025
Closed on
Aug 25, 2025
Sold by
Williams Raymond Dwan
Bought by
Lewis Ashley Moique
Seller's Agent
Matt Eshoo
Pacific Alliance Real Estate
List Price
$518,000
Sold Price
$500,000
Premium/Discount to List
-$18,000
-3.47%
Views
130

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$15,000
Outstanding Balance
$15,000
Interest Rate
6.75%
Mortgage Type
FHA
Estimated Equity
$486,754

Purchase Details

Listed on
May 22, 2015
Closed on
Oct 20, 2015
Sold by
Araiza Esperanza
Bought by
Ocana Shelley
Seller's Agent
Kimberly VanPetten
Berkshire Hathaway HomeServices-Drysdale Properties
Buyer's Agent
Dennis Lilly
Berkshire Hathaway HomeServices-Drysdale Properties
List Price
$339,900
Sold Price
$299,000
Premium/Discount to List
-$40,900
-12.03%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.35%

Purchase Details

Closed on
Aug 26, 2014
Sold by
Araiza Esperanza
Bought by
Revocabl Araiza Esperanza

Purchase Details

Listed on
Apr 27, 2012
Closed on
Jun 21, 2012
Sold by
Bank Of America Na
Bought by
Araiza Esperanza
Seller's Agent
Ken Elving
Matel REALTORS
Buyer's Agent
Patricia Servin
PMZ Real Estate
List Price
$194,900
Sold Price
$183,500
Premium/Discount to List
-$11,400
-5.85%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.78%
Original Mortgage
$180,175
Interest Rate
3.65%
Mortgage Type
FHA

Purchase Details

Closed on
Dec 20, 2011
Sold by
Ramirez Raymond and Ramirez Elizabeth
Bought by
Bank Of America Na

Purchase Details

Closed on
Jul 12, 2006
Sold by
Ramirez Rodolfo and Ramirez Elizabeth
Bought by
Ramirez Raymond and Ramirez Elizabeth

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$432,000
Interest Rate
1.75%
Mortgage Type
Negative Amortization

Purchase Details

Closed on
Dec 14, 2005
Sold by
Ramirez Rodolfo and Ramirez Elizabeth
Bought by
Ramirez Rodolfo and Ramirez Elizabeth

Purchase Details

Closed on
Nov 8, 2005
Sold by
Ramirez Rodolfo and Ramirez Elizabeth
Bought by
Ramirez Rodolfo and Ramirez Elizabeth

Purchase Details

Closed on
Oct 22, 2004
Sold by
Prasad Sandhya
Bought by
Ramirez Rodolfo and Ramirez Elizabeth

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$230,100
Interest Rate
4.37%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Apr 26, 2001
Sold by
Wellington Cove Development Corp Llc
Bought by
Prasad Sandhya

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$144,504
Interest Rate
10.8%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Grant Deed $500,000 Old Republic Title
Quit Claim Deed -- Old Republic Title
Grant Deed $301,000 First American Title Company
Interfamily Deed Transfer -- None Available
Grant Deed $183,500 Stewart Title Of California
Trustee Deed $188,910 Landsafe Title
Interfamily Deed Transfer -- Commonwealth Land Title Co
Interfamily Deed Transfer -- --
Interfamily Deed Transfer -- --
Grant Deed $354,000 First American Title Co
Individual Deed $161,000 North American Title Co
Interfamily Deed Transfer -- North American Title Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $15,000 FHA
Open $485,000 New Conventional
Previous Owner $180,175 FHA
Previous Owner $432,000 Negative Amortization
Previous Owner $230,100 Purchase Money Mortgage
Previous Owner $144,504 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/29/2025 08/29/25 Sold $500,000 +0.2% $257 / Sq Ft
08/25/2025 08/25/25 Pending -- -- --
07/09/2025 07/09/25 Price Changed $499,000 -3.7% $256 / Sq Ft
06/13/2025 06/13/25 For Sale $518,000 +73.2% $266 / Sq Ft
10/22/2015 10/22/15 Sold $299,000 -12.0% $127 / Sq Ft View Prior Sale
09/11/2015 09/11/15 Pending -- -- --
05/22/2015 05/22/15 For Sale $339,900 +85.2% $145 / Sq Ft
07/30/2012 07/30/12 Sold $183,500 -5.8% $94 / Sq Ft View Prior Sale
06/12/2012 06/12/12 Pending -- -- --
04/26/2012 04/26/12 For Sale $194,900 -- $99 / Sq Ft
Source: Bay Area Real Estate Information Services (BAREIS)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,078 $355,726 $106,539 $249,187
2024 $3,894 $348,751 $104,450 $244,301
2023 $3,835 $341,913 $102,402 $239,511
2022 $3,740 $335,210 $100,395 $234,815
2021 $3,517 $328,638 $98,427 $230,211
2020 $3,585 $325,269 $97,418 $227,851
2019 $3,500 $318,892 $95,508 $223,384
2018 $3,331 $312,640 $93,636 $219,004
2017 $3,250 $306,510 $91,800 $214,710
2016 $3,186 $300,500 $90,000 $210,500
2015 $1,968 $188,014 $40,983 $147,031
2014 -- $184,332 $40,181 $144,151
Source: Public Records

Agents Affiliated with this Home

  • Matt Eshoo

    Seller's Agent in 2025

    Matt Eshoo

    Pacific Alliance Real Estate

    (707) 953-0628

    2 in this area

    26 Total Sales

    Matt Eshoo
    Section Image
  • Kimberly VanPetten

    Seller's Agent in 2015

    Kimberly VanPetten

    Berkshire Hathaway HomeServices-Drysdale Properties

    (209) 499-8525

    16 in this area

    87 Total Sales

    Kimberly VanPetten
    Section Image
  • Dennis Lilly

    Buyer's Agent in 2015

    Dennis Lilly

    BHHS Drysdale

    (209) 345-2801

    2 in this area

    29 Total Sales

    Dennis Lilly
    Section Image
  • Ken Elving

    Seller's Agent in 2012

    Ken Elving

    Matel REALTORS

    (209) 610-5081

    11 in this area

    74 Total Sales

    Ken Elving
    Section Image
  • Patricia Servin

    Buyer's Agent in 2012

    Patricia Servin

    PMZ Real Estate

    (209) 480-6005

    2 in this area

    70 Total Sales

    Patricia Servin
    Section Image
See All Agents

Map

Source: Bay Area Real Estate Information Services (BAREIS)

MLS Number: 225079053

Bay Area Real Estate Information Services (BAREIS)

APN: 034-29-07

California Stanislaus County Modesto 95355 Northeast Modesto

440 The Bluff, Modesto, CA

Sold

Detached

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