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23472 Los Ranchos Dr, Tracy, CA, 95304

3beds
3baths
2,090sqft
$1,300,000
$622price/sqft
$8,613/moest. monthly cost
$344,520/yrincome needed

About This Home

This home includes a 2500 square foot shop with steel beams, a guest house and 1.56 acres. Horses welcome! Set on a peaceful court-like drive in one of Tracy's most serene settings, this beautifully maintained property offers space, privacy, and pride of ownership throughout. The lovingly cared for main home sits on expansive grounds featuring lush green lawns, mature landscaping, a massive shop, and a detached guest house creating endless possibilities for multigenerational living, hobbies, entertaining, or additional workspace. Inside, the home reflects years of thoughtful upkeep and immaculate care, blending comfort and character with a warm, welcoming feel. The sellers are also including the washer, dryer, and refrigerator, making this home truly move-in ready. From the long private driveway to the park-like backyard framed by towering cypress trees, 23472 Los Ranchos Dr offers a rare opportunity to enjoy peaceful country-style living while still being conveniently located near Tracy amenities.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
26
BikeSomewhat Bikeable

Schools

8/10
10/10

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Raised
  • Roof: Spanish Tile,Tile
  • Construction materials: Stucco,Frame,Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Gas Oven,Trash Compactor,Dishwasher,Microwave,Plumbed For Ice Maker,Washer
  • Laundry features: Cabinets,Sink,See Remarks,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Formal Room,Space in Kitchen

Features

  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Brick,Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,090 sqft

Kitchen

  • Features: Breakfast Area,Quartz Counter,Kitchen Island,Kitchen/Family Combo

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Soaking Tub,Tile,Window

Master Bedroom

  • Features: Closet,Walk-In Closet

Property

Details

  • Parcel number: 209390050000
  • Zoning: RES
  • Special condition: Standard
  • Other equipment: Water Filter System
  • Horse amenities: Fenced

Features

  • Fencing: Fenced
  • Horses can be raised: Yes

Lot

  • Lot size: 1.56 Acres
  • Features: Auto Sprinkler F&R,Cul-De-Sac,Dead End,Landscape Back,Landscape Front

Parking

  • Total spaces: 3
  • Parking features: Attached,RV Access/Parking
  • 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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Earthquake
Inland Flooding
Heat Wave
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 $6,573$78,876
Home Insurance *$269$3,228
Property Taxes $1,323$15,876
Electricity $448$5,378
Total$8,613$103,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$295,302/yr
40% on housing$258,390/yr
45% on housing$229,680/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

$622This listing

vs Other Active Listings

Avg $/sqft

ZIP 95304$385
San Joaquin County$287

vs Homes Sold Last Month

Median $/sqft

ZIP 95304$344
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
2026-05-22Listed for sale$1,300,000
2002-11-26Sold$587,000
1996-06-05Sold$285,000
1994-03-11Sold$282,000

For Sale by Agent

AgentPamela Summers
BrokerageReal Broker Technologies

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