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7071 W Saint Andrews Ln, Tracy, CA, 95377

3beds
2baths
2,162sqft
$699,888
$324price/sqft
$4,997/moest. monthly cost
$199,880/yrincome needed

About This Home

Welcome to 7071 W. Saint Andrews Lane, where comfort, security, and lifestyle come together in one of Tracy's most sought-after communities. Located within the gated Tracy Golf & Country Club, this home offers the rare opportunity to enjoy a true country club atmosphere and the peace of mind that comes with living in one of Tracy's safest and most established neighborhoods. This is a community where neighbors know each other, evening walks feel peaceful, and the setting offers a sense of privacy that is hard to find. Families will love the access to highly regarded schools, along with convenient bus service available from elementary through high schoolmaking daily routines easier and more convenient. Set along the 18th fairway, the home features beautiful golf course views and a backyard perfect for morning coffee, outdoor dining, or relaxing at sunset. Inside, enjoy bright open living spaces with soaring ceilings, stylish lighting, and a warm fireplace. The spacious kitchen offers abundant cabinetry, generous countertops, a large center island, and stainless steel appliancesperfect for everyday living and an entertainer's dream. Unlike many newer communities, this exceptional property offers no Mello-Roos, adding long-term value and lower monthly costs. Solar with backup batteries provides efficiency and added peace of mind. This is more than a homeit's a secure, connected, lifestyle-focused place to live.

Getting Around

7
WalkingCar-Dependent
0
TransitNo Nearby Transit
7
BikeSomewhat Bikeable

Schools

9/10
Jefferson SchoolGrades 5-84.5 mi
9/10

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Raised
  • Roof: Tile
  • Construction materials: Block,Stone,Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Built-In Electric Range,Trash Compactor,Ice Maker,Dishwasher,Disposal,Microwave,Electric Cooktop,Wine Refrigerator
  • Laundry features: Laundry Closet,Hookups Only,Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Area

Features

  • Flooring: Luxury Vinyl Plank,Wood
  • Number of fireplaces: 1
  • Fireplace features: Brick,Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump

Interior Area

  • Total interior livable area: 2,162 sqft

Kitchen

  • Features: Kitchen Island,Island w/Sink,Tile Counters

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Skylight/Solar Tube,Jetted Tub,Sunken Tub,Low-Flow Toilet(s)

Master Bedroom

  • Features: Balcony,Closet,Walk-In Closet

Property

Details

  • Parcel number: 253350040000
  • Zoning description: R1
  • Special condition: Standard

Features

  • Exterior features: Balcony,Fire Pit
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Back Yard,Metal

Lot

  • Lot size: 7,670 sqft
  • Features: Adjacent to Golf Course,Auto Sprinkler F&R,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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

  • Drought
    DroughtVery High
  • Earthquake
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Drought
Earthquake
Wildfire
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 $3,539$42,468
Home Insurance *$142$1,704
Property Taxes $853$10,236
Electricity $463$5,563
Total$4,997$59,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,325/yr
40% on housing$149,910/yr
45% on housing$133,253/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

$324This 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
2026-04-30Price change$725,000
2026-04-16Price change$734,888
2026-04-09Price change$737,388
2026-04-02Price change$739,888
2026-03-16Price change$749,888
2026-02-15Price change$770,888
2026-01-14Listed for sale$785,000
2005-03-24Sold$487,500
1999-07-13Sold$252,000
1995-05-31Sold$180,000

For Sale by Agent

AgentMarc Stanley
BrokerageKirkson Realty Group

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