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2780 Oxford Ln, Tracy, CA, 95377

5beds
3baths
2,782sqft
$780,000
$280price/sqft
$5,460/moest. monthly cost
$218,400/yrincome needed

About This Home

Located in a desirable Tracy neighborhood, 2780 Oxford Ln is a charming two-story home that offers comfort, style, and convenience. Step inside to soaring vaulted ceilings, new tile flooring, and a bright open-concept living and dining area perfect for entertaining. The updated kitchen features sleek quartz countertops and stainless steel appliances, making it ideal for any home chef. Upstairs, the spacious primary suite includes a vaulted ceiling, walk-in closet, and a luxurious en-suite bathroom with dual sinks, a soaking tub, and a separate shower. You'll also find generously sized secondary bedrooms, including an oversized front bedroom, all with brand-new carpeting. The private backyard provides a great space for relaxing, entertaining, or enjoying outdoor gatherings. Additional highlights include central heating and air conditioning, a two-car garage, and fresh interior and exterior paint. Conveniently located near parks, schools, shopping, dining, and easy freeway access, this home truly has it all. Don't miss your chance to own this beautifully updated property in a highly sought-after community. Schedule your showing today!

Getting Around

23
WalkingCar-Dependent
23
TransitMinimal Transit
36
BikeSomewhat Bikeable

Schools

6/10
Art Freiler SchoolGrades K-80.4 mi
5/10

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Nook,Dining/Family Combo

Features

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,782 sqft

Kitchen

  • Features: Breakfast Area,Pantry Closet,Quartz Counter,Island w/Sink,Kitchen/Family Combo

Property

Details

  • Parcel number: 238200530000
  • Zoning: R
  • Special condition: Standard

Lot

  • Lot size: 6,120 sqft
  • Features: Curb(s)/Gutter(s),Street Lights

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $3,944$47,328
Home Insurance *$159$1,908
Property Taxes $761$9,132
Electricity $596$7,158
Total$5,460$65,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,200/yr
40% on housing$163,800/yr
45% on housing$145,600/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

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 95377$321
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95377$318
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
2026-08-14Price change$779,888
2026-07-10Price change$780,000
2026-05-21Listed for sale$799,000
2025-08-09Listing removed$829,988
2025-07-04Price change$829,988
2025-06-06Price change$839,888
2025-05-09Listed for sale$849,888
2020-06-26Sold$461,000
2020-06-02Pending sale$479,900
2020-05-09Listed for sale$479,900
2020-03-03Sold$495,000
2009-05-06Listing removed$290,000
2009-04-04Price change$290,000
2009-03-13Listed for sale$360,000

For Sale by Agent

AgentRana Wahhab
BrokerageKW Central Valley

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