20550 Ponderosa Way, Tuolumne, CA, 95379
About This Home
PRICE IMPROVEMENT!!!!!! Motivated Sellers!!! Welcome to Ponderosa Hills! This multi-level 2,350 sq ft home offers 5 bedrooms and 3 full bathrooms. Upon entry, you are welcomed into a comfortable living room featuring a wood-burning stove and scenic views of Tuolumne. The dining area is conveniently located adjacent to the kitchen. The entry-level floor includes two bedrooms and one full bathroom. Upstairs, you’ll find the remaining bedrooms, including the primary suite. For added convenience, the washer and dryer are located in the primary bathroom. The lower level of the home features a fifth bedroom with a separate entrance, currently rented, offering potential additional income or in-law accommodations. This space includes a full kitchen, one bedroom, and one bathroom. The driveway provides ample parking for multiple vehicles, including space for a boat or RV. The home is just a short walk to the community pool and recently renovated clubhouse and is conveniently located minutes from Black Oak Casino, Pinecrest, and Dodge Ridge.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing
- Year built: 1990
Materials
- Roof: Shingle
- Construction materials: Composition Shingles,Wood Siding,Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage,Chalet
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Plumbed For Ice Maker,Microwave,Range,Refrigerator,Dryer,Washer,Gas Water Heater
- Laundry features: 220 Volt Outlet,Dryer,Washer,Other,Upper Level
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Dining Area,In-Law Floorplan,Storage
- Window features: Window Coverings
- Flooring: Laminate,Carpet
- Number of fireplaces: 1
- Fireplace features: Family Room,Free Standing
- Fireplace: Yes
Heating & Cooling
- Heating features: Wall Furnace,Propane,Wood Stove,Fireplace(s)
- Cooling features: Ceiling Fan(s),Central Air,Wall/Window Unit(s)
Interior Area
- Total structure area: 2,350
- Total interior livable area: 2,350 sqft
Kitchen
- Features: Laminate Counters, Dishwasher, Ice Maker Hookup, Microwave, Range/Oven Built-in, Refrigerator
Property
Details
- Parcel number: 087160017000
- Special condition: Standard
Features
- Levels: Three or More Stories
- Pool features: Other,Pool House,Community
- Exterior features: Back Yard
- Fencing: Fenced
- Has view: Yes
- View description: Hills,Mountain(s),Trees/Woods
Lot
- Lot size: 0.38 Acres
- Features: Close to Clubhouse,Cul-De-Sac,Sloped Down,Sloped Up,Back Yard
Parking
- Parking features: Parking Spaces,RV/Boat Parking,RV Possible,Uncovered Park Spaces 2+
- Has uncovered spaces: Yes
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
- Wildfire
- Heat Wave
- Inland Flooding
- Lightning
- Drought
- Landslide
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Tuolumne County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,169 | $26,028 |
| Home Insurance * | $221 | $2,652 |
| Property Taxes | $397 | $4,764 |
| Electricity | $503 | $6,047 |
| Total | $3,290 | $39,480 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-13 | Price change | $449,000 |
| 2026-01-23 | Listed for sale | $479,000 |
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