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16696 N Locust Tree Rd, Lodi, CA, 95240

2beds
3baths
3,400sqft
$1,040,000
$306price/sqft
$7,365/moest. monthly cost
$294,600/yrincome needed

About This Home

OWNER CARRY - First time on the market in generations! This well-maintained 1940 Klinker brick home, owned by the same family since 1941, sits on approximately 1.9 acres and combines classic craftsmanship with modern updates. Offering approximately 2,209 sq. ft. buyer to verify, the home includes 3 bedrooms, 3 bathrooms, spacious living areas, original hardwood floors, a fireplace, a remodeled kitchen, and an updated primary suite with a walk-in shower and French doors. The full basement with a separate storage room provides flexible space for a game room, workshop, or additional living area. Recent improvements include two HVAC systems 2017, a metal roof, automatic sprinklers, and a new pool pump. The outdoor setting features a large in-ground pool and spa, a screened courtyard with misters and a koi pond, an expansive patio with an outdoor fireplace, and landscaped grounds ideal for entertaining. The fully fenced backyard offers ample space for outdoor living. Outbuildings include an approximately 2,200 sq. ft. shop with three roll-up doors, an approximately 2,500 sq. ft. barn with a bathroom, and an approximately 1,400 sq. ft. hay barn, providing extensive storage and versatility. Additional features include a detached garage, covered storage, and RV parking. Original house plans are included. Conveniently located near Lodi's wineries, Lodi Lake, shopping, dining, and downtown amenities, this property offers a rare blend of privacy and accessibility.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Victor Elementary SchoolGrades K-61.0 mi
3/10
6/10
Lodi High SchoolGrades 9-125.5 mi

Construction

Condition

  • Year built: 1941

Materials

  • Foundation: Other
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Vintage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Gas Oven,Built-In Gas Range,Dishwasher
  • Laundry features: Cabinets,Inside

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Dining/Living Combo

Features

  • Flooring: Carpet,Granite
  • Number of fireplaces: 2
  • Fireplace features: Brick
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,400 sqft

Kitchen

  • Features: Breakfast Area,Kitchen Island

Master Bedroom

  • Features: Balcony

Property

Details

  • Parcel number: 051120940000
  • Zoning: AG/RES
  • Special condition: Other

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Fencing: Back Yard
  • Topography of land: Level,Level

Lot

  • Lot size: 1.92 Acres
  • Features: Sprinklers In Front

Parking

  • Total spaces: 2
  • Parking features: Boat,RV Access/Parking,Covered,RV Garage Detached,Detached,Garage Faces Front,Guest,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Drought
    DroughtVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
Wildfire
Lightning

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 $5,258$63,096
Home Insurance *$277$3,324
Property Taxes $1,101$13,212
Electricity $729$8,749
Total$7,365$88,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,514/yr
40% on housing$220,950/yr
45% on housing$196,400/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

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 95240$309
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95240$326
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)

No zestimate history available

Price History

DateEventPrice
2026-07-14Listed for sale$1,040,000

For Sale by Agent

AgentKaren Chandler
BrokerageBokides-Hesseltine Real Estate

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