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2912 Zinnia Way, Lodi, CA, 95242

4beds
3baths
1,935sqft
$630,000
$326price/sqft
$4,370/moest. monthly cost
$174,800/yrincome needed

About This Home

WOAHH BABY! STOP THE CAR! Welcome to 2912 Zinnia! This beautifully maintained 4 bedroom home is only three years old and completely move in ready. Designed with comfort and efficiency in mind, the home features energy efficient systems, solar, and a thoughtful floor plan with a convenient bedroom and full bathroom downstairs perfect for guests, multi generational living, or a private office. Step outside and enjoy the lush landscaping in both the front and back yards, creating a peaceful outdoor setting. With no rear neighbors and a tall privacy wall, the backyard offers extra privacy and space to relax or entertain. Need room for toys? There is space for RV parking just bring the concrete and make it your own. Clean, modern, and low maintenance, this home offers the benefits of newer construction without the wait. Come take a look and see why 2912 Zinnia might be the perfect place to call home.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

4/10
Lodi Middle SchoolGrades 7-81.6 mi
5/10
Tokay High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2023

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,Microwave
  • Laundry features: Sink,Inside,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Dining/Family Combo,Formal Area

Features

  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,935 sqft

Kitchen

  • Features: Quartz Counter,Stone Counters

Property

Details

  • Parcel number: 058830600000
  • Zoning description: SFR
  • Special condition: Standard

Lot

  • Lot size: 6,163 sqft
  • Features: Auto Sprinkler F&R

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Drought
Earthquake
Inland Flooding
Heat Wave

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 $3,185$38,220
Home Insurance *$144$1,728
Property Taxes $627$7,524
Electricity $414$4,979
Total$4,370$52,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,828/yr
40% on housing$131,100/yr
45% on housing$116,533/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

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 95242$311
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95242$314
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$660,000
2026-04-10Listed for sale$670,000
2026-04-10Pending sale$670,000
2026-03-07Listed for sale$670,000
2024-05-06Sold$612,500
2024-04-22Pending sale$612,290
2024-03-11Listed for sale$612,290
2023-12-06Listing removed--
2023-08-30Listed for sale$612,290

For Sale by Agent

AgentAshlee Prudhel
BrokerageKW Central Valley

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