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13355 Lancaster Rd, Oakdale, CA, 95361

4beds
3baths
1,248sqft
$1,300,000
$1,042price/sqft
$8,717/moest. monthly cost
$348,680/yrincome needed

About This Home

*** 2 Separate Units! *** Tucked along the river in a peaceful, tree-lined setting, this charming 2-story Craftsman-style property sits on an expansive 1.60 acres riverfront lot. Offering a rare blend of space, privacy, and natural beauty, this unique home features two separate living units with a total of 4 bedrooms and 3 bathrooms - perfect for multi-generational living, rental income potential, or extended family accommodations. The upstairs unit includes three well-appointed bedrooms and two full bathrooms. The main bedroom offers a spacious king-sized bed area, warm wood flooring, and generous closet space. Two additional bedrooms feature comfortable layouts, wood floors, and abundant natural light. The inviting living room flows seamlessly into a formal dining area, creating an ideal space for gatherings and everyday living. The kitchen provides ample cabinetry and functional workspace, while a dedicated laundry room with updated cabinetry and shelving adds convenience. Bathrooms are finished with tile surrounds, wide vanities, bathtubs, and modern fixtures for a clean, timeless look. The downstairs unit offers a private one-bedroom, one-bathroom layout with its own living area - ideal for guests or rental flexibility. The updated kitchen showcases stainless steel appliances, shaker cabinetry, butcher block countertops, and a center island with bar seating. Exposed beams add warmth and character. The bedroom features a cozy bunk bed setup and built-in shelving. The remodeled bathroom impresses with full tile walls and floors, a spacious walk-in shower with bench seating and dual niches, a sleek vanity, and modern finishes. Outdoor living is a standout feature. A large covered upper deck with exposed beams and a hot tub overlooks mature trees and tranquil Stanislaus River front views. The grounds include multiple entertaining areas such as a covered patio, picnic deck, fire pit, detached workshop, shed, and private river access. The expansive, shaded lot provides exceptional privacy and a peaceful natural backdrop. Welcome Home!!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
4/10
6/10
Oakdale High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Raised
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathtub,Separate Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Beamed Ceilings,Breakfast Bar,Balcony,Eat-in Kitchen,Granite Counters,Living Room Deck Attached,Multiple Primary Suites
  • Window features: Double Pane Windows
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,248 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Kitchenette

Master Bedroom

  • Features: Multiple Primary Suites

Property

Details

  • Parcel number: 010012006000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 1
  • Entry location: Back
  • Pool features: None
  • Patio & porch: Deck,Front Porch,Patio,Wood
  • Spa features: None
  • Has view: Yes
  • View description: River,Trees/Woods
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 1.60 Acres
  • Features: Bluff,Irregular Lot,Secluded,Trees

Parking

  • Parking features: Driveway,Gravel

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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in Stanislaus 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 *$353$4,236
Property Taxes $1,393$16,716
Electricity $398$4,786
Total$8,717$104,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$298,868/yr
40% on housing$261,510/yr
45% on housing$232,453/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,042This listing

vs Other Active Listings

Avg $/sqft

ZIP 95361$321
Stanislaus County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 95361$297
Stanislaus County$303

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
2026-03-20Listed for sale$1,300,000
2010-01-27Sold$120,000

For Sale by Agent

AgentDan Phipps
BrokerageProfessional Realty Associates

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