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903 W Highway 12, Lodi, CA, 95242

2beds
2baths
1,801sqft
$785,000
$436price/sqft
$5,377/moest. monthly cost
$215,080/yrincome needed

About This Home

Welcome to 903 W. Highway 12, Lodi! This charming ranchette offers the perfect blend of country living and convenience, located just seconds from town on approximately 1 acre. The property features two homes. The main residence (1,801 sq. ft.) offers 2 bedrooms and 1.5 bathrooms, a cozy wood-burning fireplace with insert, a freestanding gas stove in the great room, a quarter basement, a newer 50-year composition roof (approximately 2 years old), and a newer HVAC system (approximately 1 year old). The mobile home (1,200 sq. ft.) includes 2 bedrooms, 2 bathrooms, and a covered carport. Outdoor amenities include a 30' x 48' barn, 60' x 30' workshop, additional storage/outbuilding, gazebo, BBQ area, and ample space for gardening, animals, hobbies, or future improvements. The property is enhanced by a variety of fruit trees including lemon, pluot, persimmon, tangelo, and more. A 2 HP domestic well services the property and features a newer pump and pressure tank. Enjoy the tranquility of country living while remaining just minutes from shopping, dining, schools, and all that Lodi has to offer. A unique property with endless possibilities!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
Lodi Middle SchoolGrades 7-82.1 mi
5/10
Tokay High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Farmhouse
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Range Hood,Dishwasher,Electric Cooktop
  • Laundry features: Electric Dryer Hookup,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • Partial bathrooms: 1

Dining Room

  • Features: Dining/Family Combo,Space in Kitchen

Features

  • Flooring: Carpet,Linoleum,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room,Family Room,Free Standing,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace Insert,Gas,Wood Stove
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,801 sqft

Kitchen

  • Features: Breakfast Area,Tile Counters

Property

Details

  • Parcel number: 027170190000
  • Zoning: AG-40
  • Special condition: Offer As Is

Features

  • Fencing: Barbed Wire,Chain Link,Full

Lot

  • Lot size: 0.99 Acres
  • Features: Sprinklers In Front,Corner Lot,Garden,See Remarks

Parking

  • Total spaces: 4
  • Parking features: No Garage,RV Possible,Uncovered Parking Spaces 2+,See Remarks
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Drought
Earthquake
Heat Wave

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 $3,969$47,628
Home Insurance *$179$2,148
Property Taxes $831$9,972
Electricity $398$4,786
Total$5,377$64,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,354/yr
40% on housing$161,310/yr
45% on housing$143,386/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

$436This listing

vs Other Active Listings

Avg $/sqft

ZIP 95242$310
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95242$314
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
2026-08-16Pending sale$705,000
2026-08-07Price change$705,000
2026-07-30Listed for sale$785,000
2026-07-10Pending sale$785,000
2026-07-01Price change$785,000
2026-06-12Listed for sale$835,000

For Sale by Agent

AgentDominique Ferreira
BrokerageBokides-Hesseltine Real Estate

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