432 The Bluff, Modesto, CA 95355, Modesto, 95355 - 3 bed, 3 bath
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432 The Bluff
Modesto, CA 95355
ACTIVE
CONDITION: FAIR
3Beds
3Baths
2,281Sq Ft
4,082Lot Size
Property Price
LIST PRICE$499,000
EST. MARKET VALUE
$524,633
4% BelowMARKET VALUE
SUMMARY
This Single Family Residence represents a Strong Value Opportunity, listed at $547,000—positioned well below the $550,379 Fair Market Value by 0.6%. This valuation gap offers $3,379 in Instant Equity. Featuring a Fair Condition Rating, the home offers a Lap Pool and Waterfall within a gated community. While the property requires cosmetic modernization, its spacious layout provides a solid foundation for value-add improvements. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking a customizable home in a secure, established neighborhood.
Estimated Market Value
$524,633+$25,633 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in Modesto.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 432 The Bluff Subject | $499,000* List Price | 3 | 3 | 2,281 | $230 | - |
A 1500 Scenic Dr #18 Sold | $435,000 | 3 | 3 | 2,099 | $207 | 0.2 mi |
B 1709 Seven Falls Sold | $435,000 | 3 | 2 | 1,702 | $256 | 0.1 mi |
C 1500 Scenic Drive 12 Active | $529,999 List Price | 4 | 3 | 2,247 | $236 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1998 (28 years old), the property is exceptionally well-maintained but remains largely original. The kitchen and bathrooms feature dated finishes such as tile countertops, wallpaper, and 90s-style cabinetry. While functional and 'immaculate' per the description, the age of the systems and finishes exceeds the 20-year threshold for a 'Good' rating, placing it in the 'Fair' category due to the need for cosmetic modernization.
PROSSTRENGTHS & OPPORTUNITIES
- Exclusive Gated Community
Situated in the prestigious Gated Community of the Bluff at Seven Falls, this home offers enhanced security, privacy, and a well-maintained neighborhood aesthetic.
- Premium Outdoor Amenities
The property features a private lap pool and a charming waterfall within a manicured yard, providing a luxury outdoor retreat rarely found at this price point.
- Spacious and Functional Layout
Boasting 2,281 square feet, the interior includes a formal dining room and a large master suite with a walk-in closet, offering a generous and well-organized living space.
CONSRISKS & DEFICIENCIES
- High Association Fees
The monthly HOA fee of $317 adds a significant recurring cost to the monthly mortgage obligation, which may impact affordability for some buyers.
- Below-Average School Ratings
The local assigned schools carry ratings between 3 and 4, which may be a drawback for families prioritizing high-performing educational districts.
About 432 The Bluff
THE BLUFF AT SEVEN FALLS! Immaculate home nestled in the Beautiful Gated Community of the Bluff at Seven Falls. You will love cooking in the very inviting kitchen with breakfast area. Has a inviting formal Dining Room for that special dinner get togethers! Spacious Master Suite with Private Bathroom and walk In Closet Manicured. Yard with Lap Pool and charming Watter Fall. Don't Miss out on this Lovely Home!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1998
- Lot Size
- 4,082 Sq. Ft.
Interior
- Total Bedrooms
- 3
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $317 / Month
Neighborhood Insights
Modesto Unified Schools
Rose Avenue Elementary School
Grades K-6 • 0.6 mi
4/10
Wilson Elementary School
Grades K-6 • 0.9 mi
4/10
La Loma Junior High School
Grades 7-8 • 0.4 mi
3/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 3.0 | 3.0 |
| Baths | 3.0 | 2.0 |
| Square foot | 2,281 | 1,592.041 |
| Lot Size | 4,082 | 6,846.312 |
| Price | $499.0K | $462.1K |
| Price per sq ft | $219 | $298 |
| Built year | 1998 | 1977 |
| HOA | $317 | $155 |
| Days on market | 36 | 50 |
Pricing History
Listed for Sale
Aug 31, 2026
$499,000
$547,000
-9% Price Drop
Initial Listing
Price Change
Aug 4, 2026
$547,000
Initial Listing