A modest home in Modesto provided stability for my family

Housing and the stability it promises can be hard to find in California. Take the family of Shelby Humphrey, a great uncle on my mom’s side.

After the Second World War, he, his wife Doris, and their 10 children left Southern California for Modesto. They rented 17 different places while the kids grew up – until 1983, when they finally bought a tiny home: just 720 square feet at 1306 Garden Avenue for $30,000.

Shelby’s son Wes put in a lovely deck. The family helped Shelby, who had a tree service but whose alcoholism often landed him in trouble, keep up the place. And when he died in 2005, they managed to sell it for $240,000.

1306 Garden was one of six California houses I visited in my quest for a more intimate understanding of how our state’s homes and dreams are changing. In today’s housing crisis, Californians worry about the price of housing and our failure to produce new homes. But we’ve forgotten a problem that literally surrounds us: the rapid aging of our existing housing.

Some houses are dangerously decayed, especially in places housing poorer Californians.

Uncle Shelby was never rich. And not long after my cousins sold the house, the Great Recession hit with full force in Modesto. It wasn’t a surprise when 1306 Garden went into foreclosure and the Bank of New York seized it.

Then in 2009, the bank sold it for $44,000; the home had lost 80 percent of its value in four years.

In this section of Modesto’s west side, there was little to cushion the recession’s blow, in part because the neighborhood is a small pocket of unincorporated Stanislaus County surrounded by the city of Modesto.

The streets are now a hellscape of ruts and holes, and there aren’t any sidewalks. In the middle of the night, young people race cars at dangerous speeds, with impunity. The neighborhood is a place where some people complain the county sheriffs are slow to arrive while others fear ICE.

This house, at 1306 Garden, once gave a rough man stability. But now the whole area feels precarious.

The man who bought the place in 2009, and still owns it, isn’t rich. He is a local warehouse worker named David Gomez, 54, who was looking to enhance and diversify his own modest income.

He tells me the collapse of the housing market, in combination with the federal tax benefits for investors in homes, provided a rare opportunity for a middle-class person to build a nest egg. So he purchased 1306 Garden and five other homes around Modesto on the cheap. He lives in one of them. When I drove by each of them, they were among the best maintained places in their different neighborhoods. But it has not been easy for him.

Gomez’s tenants can come and go fast. When I visited 1306 Garden, he had just replaced previous tenants who had filled the yard with garbage and, neighbors say, a trailer. People living in trailers – essentially subletting yard space from tenants – is common in the area, as a way for poor people to make a little money by subleasing what they rent and own. For even poorer people, it’s a way to stay off the streets.

And for many, this pocket of Modesto’s west side has become a neighborhood of last resort.

Four people live in the house now (the main tenant has a tree service, like my great uncle once did), which by official standards – there should be no more than one resident per room – is too many. In California homes, the rate of overcrowding is over 8 percent, more than twice the national average of 3.4 percent.

Then there is the crap. The house sits next to the city of Modesto’s wastewater treatment plant, which is now expanding to butt up against the back of the old house. A city sewage line runs under the house. Gomez says the city contacted him about taking the house by eminent domain, but, for now, has decided against it.

He’s not disappointed. The house is worth only half of what it was when Uncle Shelby died. But it’s still three times more valuable now than when he purchased it.

So far, Gomez is pleased with the new tenants, who pay $850. They even took the initiative to put in a back fence.

“You’re dealing with dirty people in dirty places and with code enforcement,” he says of owning California houses. “I’ve learned you have to be strict down the line.”