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18628 Delta Ct, Lathrop, CA, 95330

5beds
5baths
3,480sqft
$849,000
$244price/sqft
$6,301/moest. monthly cost
$252,040/yrincome needed

About This Home

Back on market and available for its next buyer! Welcome to 18628 Delta Ct in Lathrop’s desirable River Islands community. Now offered at an improved price, this spacious home offers a rare combination of comfort, functionality, and an impressive clean-energy setup designed for modern living. The home features central heating and air, updated LVP flooring, a bright open layout, multiple living areas, and a sought-after downstairs primary bedroom/suite for added convenience and flexibility. Step outside to a beautiful outdoor retreat with a pool area, fireplace, and inviting patio space designed for relaxing or entertaining. The indoor/outdoor flow creates a great setting for summer gatherings, evening hangouts, and year-round California living. The property is also just a short walk from the water, nearby trails, and the natural beauty that makes River Islands such a special community. One of the standout features is the extensive solar system. Per seller-provided documentation, the property includes a 73-panel SunPower X-Series solar array designed to support high energy usage, EV charging, and everyday comfort while helping offset utility costs. The property is connected with Lathrop Irrigation District under a Wholesale Generation Credit agreement, allowing surplus generation credits to be applied under the district’s program per seller documentation. Buyer to verify all solar, utility, production, billing, transferability, and program details. Located in River Islands, the home offers access to one of Lathrop’s most sought-after master-planned communities with nearby lakes, parks, trails, schools, and commuter routes. A rare opportunity to own a well-appointed home with a downstairs primary suite, resort-style outdoor space, close proximity to the water, and a substantial solar system already in place.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
Banta ElementaryGrades K-84.3 mi
6/10
River Islands HighGrades 9-122.7 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 2015

Materials

  • Roof: Composition
  • Construction materials: Brick,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mediterranean,Traditional
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave
  • Laundry features: Laundry Room,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1

Features

  • Formal Dining Room,Updated Kitchen
  • Window features: Double Pane Windows
  • Flooring: Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Zoned,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,480
  • Total interior livable area: 3,480 sqft

Kitchen

  • Features: Dishwasher,Eat-in Kitchen,Gas Range/Cooktop,Microwave,Updated Kitchen

Property

Details

  • Parcel number: 213410100000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Cabana,Outdoor Pool
  • Patio & porch: Deck
  • Exterior features: Covered Courtyard
  • Fencing: Fenced

Lot

  • Lot size: 8,205 sqft
  • Features: Cul-De-Sac,Back Yard

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    EarthquakeVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding
Heat Wave
Lightning
Wildfire

FEMA Declared Disasters in San Joaquin 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 $4,293$51,516
Home Insurance *$152$1,824
Property Taxes $1,110$13,320
Electricity $746$8,954
Total$6,301$75,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,034/yr
40% on housing$189,030/yr
45% on housing$168,026/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 95330$287
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95330$305
San Joaquin County$300

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
2026-07-15Listed for sale$849,000
2026-06-30Contingent$849,000
2026-06-16Price change$849,000
2026-06-02Listed for sale$999,000
2025-06-30Listing removed$4,400
2025-06-26Listing removed--
2025-06-05Listed for rent$4,400
2025-05-23Price change$1,180,000
2025-03-19Listed for sale$1,200,000
2018-11-20Sold$685,000
2018-10-26Pending sale$699,000
2018-10-19Listed for sale$699,000
2015-05-18Sold$493,500

For Sale by Agent

AgentTanvir Ali
BrokerageRealty One Group Future

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