For sale Home

Listed Jul 24, 2026

$978,888 Est. $6,474/mo

16640 Los Banos Street

  • 5

    Beds

  • 4

    Baths

  • 1,425

    Sq ft

The story

RARE OPPORTUNITY WITH FLEXIBLE LIVING, OUTDOOR SPACE & A 2.5% ASSUMABLE VA LOAN! This move-in-ready property offers much more than the numbers suggest. The 1,425-SF main residence features 3 bedrooms and 1.5 baths, PLUS two separate finished studio spaces (approx. 365 SF and 216 SF 2006 SF Total), each with a full bath, kitchenette and mini-split HVAC ideal for guests, extended family, offices or flexible uses. The larger studio has a successful history of short-term rental use; the smaller has been used as a long-term rental. Buyer to investigate permitted uses. Even more exceptional: a FULLY ASSUMABLE VA LOAN with an approximate $497,000 balance at just 2.5% offering a qualified buyer potential savings of approximately $1,150 per month compared with current financing. The main home blends mid-century character with updates, including PPA solar, LED lighting, tankless water heater and EV hookup. The dine-in kitchen features quartz counters, updated cabinetry, stainless appliances and a walk-in pantry. Upstairs, the loft bedroom with half bath opens to a rooftop balcony overlooking the gardens and East Bay. The 7,500-sf property offers drought-tolerant landscaping, mature fruit trees, parking and entertaining areas, plus a 1,400+ sf vista terrace with sweeping views.

Facts & features

Home type

Home

Year built

1947

Floors

2

Price per sq ft

$687

Included features

  • Cooling

    Ceiling Fan(s)

  • Heating

    Natural Gas

  • Appliances

    Dishwasher, Microwave, Tankless Water Heater, ENERGY STAR Qualified Appliances

  • Flooring

    Laminate

  • Roof

    Composition Shingles

  • Lot Information

    Rectangular Lot

  • Exterior

    Back Yard

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$6,474 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $5,210
  • Property tax $979
  • Insurance $286

Includes principal, interest, taxes & insurance.

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Listing Broker

eXp Realty of California Inc

Broker Name

eXp Realty of California Inc

Agent

Phil Roza

Location

CA 94583