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1851 Serene Ct, Tracy, CA, 95377

2beds
2baths
1,768sqft
$644,995
$365price/sqft
$4,361/moest. monthly cost
$174,440/yrincome needed

About This Home

Welcome to Regency at Tracy Lakes 55+ active adult gated community , where luxury living takes center stage. With three picturesque lakes, this vibrant community offers a fishing dock, 1-acre community garden and dog park. With a wealth of amenities, including a clubhouse, pools, cabanas, yoga studio, fitness center, bocce ball, and pickleball courts, every day is an opportunity for relaxation and recreation. The onsite lifestyle director ensures there’s always something to look forward to; from fitness classes to comedy shows and wine nights. An alluring foyer hallway flows past a spacious flex room to the great room, open to the luxury outdoor living space. The gourmet kitchen offers stainless steel appliances, 36" gas cooktop, large center island with breakfast bar, modern cabinets, and roomy walk-in pantry. Primary bedroom suite offers a generous walk-in closet and a spa-like bath with a dual-sink vanity, a large luxe shower with seat. Elegant craftsmanship, with 10-foot ceilings, 8-foot doors, 5 1/4" baseboards, dual-pane Anderson windows, Western stacking sliding doors. 2- car garage, and enery saving Solar Panel System (photos not of actual home and yard, for marketing only)

Getting Around

7
WalkingCar-Dependent
14
TransitMinimal Transit
27
BikeSomewhat Bikeable

Schools

9/10
9/10
Jefferson SchoolGrades 5-83.1 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Stucco

Other

  • Builder model: Findley / Lot 19
  • Builder name: Toll Brothers

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Plumbed For Ice Maker,Microwave,Free-Standing Range,Self Cleaning Oven,Tankless Water Heater,ENERGY STAR Qualified Appliances
  • Laundry features: Hookups Only,Laundry Room,Electric

Bathroom

  • Features: Solid Surface

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Counter - Solid Surface,Smart Home
  • Window features: Double Pane Windows
  • Flooring: Tile,Carpet
  • Number of fireplaces: 1
  • Fireplace features: None
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Solar,Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,768
  • Total interior livable area: 1,768 sqft

Kitchen

  • Features: Breakfast Bar,Counter - Solid Surface,Dishwasher,Eat-in Kitchen,Disposal,Gas Range/Cooktop,Ice Maker Hookup,Kitchen Island,Microwave,Range/Oven Free Standing,Self-Cleaning Oven

Property

Details

  • Parcel number: 244400130000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Fencing: Fenced

Lot

  • Lot size: 4,717 sqft
  • Features: Level,Rectangular Lot,Back Yard,Front Yard,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Attached,Guest,Garage Faces Front,Side By Side,Garage Door Opener
  • 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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
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 $3,261$39,132
Home Insurance *$131$1,572
Property Taxes $571$6,852
Electricity $398$4,786
Total$4,361$52,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,520/yr
40% on housing$130,830/yr
45% on housing$116,293/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

$365This listing

vs Other Active Listings

Avg $/sqft

ZIP 95377$320
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95377$318
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
2026-08-06Price change$661,972
2026-07-09Listed for sale$644,995

New Construction

AgentBernie Romero
BrokerageToll Brothers Real Estate,inc

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