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1648 Locksley Dr, Lathrop, CA, 95330

5beds
4baths
3,129sqft
$1,099,998
$352price/sqft
$7,795/moest. monthly cost
$311,800/yrincome needed

About This Home

Gorgeous lake view home located in the highly desirable River Islands community, offering a blend of luxury, comfort, and modern living. This beautifully upgraded home features luxury vinyl flooring throughout and a light-filled, thoughtfully designed floor plan. The inviting foyer showcases a wrought iron staircase and chandelier, leading into the main living areas. The kitchen features quartz countertops, tile backsplash, premium Cafe appliances, and a large island with pendant lighting, ideal for everyday living and entertaining. The family room includes custom cabinetry, recessed lighting, ceiling fans, and custom solar shades. Additional features include a whole house fan, a fifth bedroom with double doors, and a spacious loft suitable for a media room, office, or additional living space. The primary suite offers a private retreat with an upgraded bathroom featuring tile backsplash, pendant lighting, and updated finishes. The backyard is designed for both relaxation and entertaining, featuring a custom in-ground gunite pool with heater, multicolor lighting, water feature, and automatic cleaning system. Additional outdoor features include a stamped concrete patio, California Room with recessed lighting and ceiling fan, and a sleeping porch. The front and backyard are professionally landscaped with irrigation. Property includes private access to the lake with a shared dock and your very own pedal boat and a three car tandem garage. Modern features include video doorbell, smart thermostats, smart irrigation system, smart garage door controller, fully wired ethernet throughout, and a solar-ready design with pre-installed conduit for future solar installation. Turnkey lakefront property located in one of River Islands' most sought-after communities.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
Banta ElementaryGrades K-83.6 mi
6/10
River Islands HighGrades 9-120.7 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Range Hood,Dishwasher,Disposal
  • Laundry features: Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Dining Room

  • Features: Bar,Formal Area

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,129 sqft

Kitchen

  • Features: Quartz Counter,Kitchen Island

Master Bathroom

  • Features: Shower Stall(s),Tub,Walk-In Closet(s)

Master Bedroom

  • Features: Balcony

Property

Details

  • Parcel number: 210290210000
  • Zoning description: RES
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: In Ground,See Remarks
  • Waterfront features: Lake Access

Lot

  • Lot size: 5,667 sqft
  • Features: Curb(s)/Gutter(s),Street Lights

Parking

  • Total spaces: 2
  • Parking features: Attached,Tandem
  • 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
    EarthquakeVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding
Heat Wave
Lightning
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 $5,562$66,744
Home Insurance *$197$2,364
Property Taxes $1,366$16,392
Electricity $670$8,051
Total$7,795$93,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$267,257/yr
40% on housing$233,850/yr
45% on housing$207,866/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

$352This listing

vs Other Active Listings

Avg $/sqft

ZIP 95330$286
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95330$305
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
2026-04-27Listed for sale$1,149,998
2020-12-23Sold$778,000

For Sale by Agent

AgentJanet Anderson
BrokerageKeller Williams Central Valley

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