See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

524 S School St, Lodi, CA, 95240

3beds
1baths
1,040sqft
$429,000
$413price/sqft
$3,072/moest. monthly cost
$122,880/yrincome needed

About This Home

Great opportunity in this 3br and 1 bath house that is located in the City of Lodi with a large lot that you can build an ADU or simply split it and sell the split land . 1- as per city of Lodi you can build an ADU in the back either use for large family or rent it our foe and extra incom. 2- As per city of Lodi if you want to split the land and sell it the buyer must give and affidavit to the City of Lodi that after the splitting the land they will live in the house for 3 years .

Getting Around

89
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

4/10
Lodi Middle SchoolGrades 7-80.9 mi
5/10
Tokay High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1927

Materials

  • Foundation: Raised
  • Roof: Shingle
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Free-Standing Gas Oven
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Family Combo

Features

  • Flooring: Laminate,Linoleum,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,040 sqft

Kitchen

  • Features: Granite Counters

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 045230240000
  • Zoning: RES
  • Special condition: Offer As Is

Features

  • Levels: One
  • Stories: 1
  • Fencing: Fenced
  • Topography of land: Level,Level

Lot

  • Lot size: 7,649 sqft
  • Features: Split Possible

Parking

  • Parking features: No Garage,Alley Access,Level Driveway/Sidewalks

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
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
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 $2,169$26,028
Home Insurance *$114$1,368
Property Taxes $391$4,692
Electricity $398$4,786
Total$3,072$36,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,325/yr
40% on housing$92,160/yr
45% on housing$81,920/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

$413This listing

vs Other Active Listings

Avg $/sqft

ZIP 95240$310
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)

Price History

DateEventPrice
2026-07-08Listed for sale$429,000
2018-06-19Sold$185,000
2018-05-14Pending sale$165,000
2018-03-29Listed for sale$165,000

For Sale by Agent

AgentMohammad Ayub
BrokerageSkyWest Real Estate

Similar Homes