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17562 Graceada Ln, Lathrop, CA, 95330

5beds
5baths
2,977sqft
$999,000
$336price/sqft
$6,974/moest. monthly cost
$278,960/yrincome needed

About This Home

Welcome to exceptional lakefront living in the River Islands community, where thoughtful design meets an unbeatable setting. This expansive 5-bedroom, 4.5-bath home offers a rare and highly functional layout tailored for both everyday comfort and multi-generational living. From the moment you step inside, you're greeted with generous living spaces, abundant natural light, and timeless finishes throughout. The heart of the home features a beautifully appointed kitchen with granite countertops, ample cabinetry, and plenty of space to gather, entertain, and create lasting memories. The living room is truly a showstopper, offering a stunning, unobstructed view of the lakebringing a sense of calm and connection to the outdoors right into your everyday living space. One of the standout features of this home is its thoughtfully designed floor plan. The downstairs primary suite provides a private and convenient retreat, while the separate in-law suitecomplete with its own private entrance and kitchenetteoffers incredible flexibility for extended family, guests, or potential income opportunities. Upstairs, you'll find a unique and spacious layout that includes an oversized loftperfect for a media room, game room, or additional living spacealong with a large bedroom and full bathroom. This setup creates an ideal separation of space, making it perfect for multi-generational living or giving everyone their own private retreat. Step outside and experience what truly sets this home apart. Situated on the lake with access to a shared dock, you can enjoy peaceful water views and a lifestyle centered around outdoor living. Located right next to a charming pocket park and surrounded by scenic walking trails, this home offers both tranquility and connection to nature. With nearby schools, parks, and all the amenities that make River Islands one of the area's most desirable communities, this is more than just a homeit's a lifestyle opportunity you won't want to miss.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Banta ElementaryGrades K-83.6 mi
6/10
River Islands HighGrades 9-120.3 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Concrete
  • Roof: Tile
  • Construction materials: Stucco,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Gas Oven,Built-In Gas Range,Range Hood,Dishwasher,Disposal,Microwave,Tankless Water Heater,ENERGY STAR Qualified Appliances,Dryer,Washer
  • Laundry features: Laundry Room,Sink,Inside,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Area

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Outside,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,977 sqft

Kitchen

  • Features: Pantry Closet,Granite Counters,Island w/Sink

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Soaking Tub,Quartz

Master Bedroom

  • Features: Ground Floor

Property

Details

  • Parcel number: 210470140000
  • Zoning description: Res
  • Special condition: Standard

Features

  • Fencing: Back Yard
  • Waterfront features: Lake Access

Lot

  • Lot size: 6,499 sqft
  • Features: Auto Sprinkler F&R,Garden

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • 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 $5,051$60,612
Home Insurance *$179$2,148
Property Taxes $1,106$13,272
Electricity $638$7,660
Total$6,974$83,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$239,108/yr
40% on housing$209,220/yr
45% on housing$185,973/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

$336This 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
2026-04-17Listed for sale$1,045,000
2024-06-06Sold$1,025,000
2024-05-17Pending sale$1,035,750
2024-05-10Listed for sale$1,035,750

For Sale by Agent

AgentSusan Vallejo
BrokerageReal Broker

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