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3163 Phoenix Ave, Tracy, CA, 95377

2beds
3baths
2,393sqft
$849,000
$355price/sqft
$5,788/moest. monthly cost
$231,520/yrincome needed

About This Home

Active Adult 55+ Gated Community. Welcome to Regency at Tracy Lakes, where luxury living takes center stage. Three picturesque lakes, this community has a fishing dock, 1-acre garden and dog park. A wealth of amenities, including clubhouse, indoor and outdoor pools, cabanas, a yoga studio, fitness center, bocce ball, and pickleball courts, every day here is an opportunity for relaxation and recreation. Onsite lifestyle director ensures there’s always something to look forward to; from fitness classes to comedy shows and wine nights. This stunning home boasts an expansive great room with a cozy fireplace and a casual dining area, leads to luxurious outdoor living space. The kitchen is expertly designed, complete with stainless steel appliances, 48" gas range, a large center island with breakfast bar. Primary bedroom suite is defined by an expansive walk-in closet and a spa-like primary bath. Create your ideal living space with a generous flex room. Thoughtfully designed interior finishes include elegant craftsmanship with 10-foot ceilings, 8-foot doors, 5 1/4" baseboards. Convenient powder room and laundry. (photos not of actual home or yard, this is the model home. Same floor Plan)

Getting Around

24
WalkingCar-Dependent
18
TransitMinimal Transit
33
BikeSomewhat Bikeable

Schools

9/10
9/10
Jefferson SchoolGrades 5-82.8 mi

Construction

Condition

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

Materials

  • Roof: Composition
  • Construction materials: Stucco

Other

  • Builder model: Angora / Lot 208
  • 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
  • Laundry features: Hookups Only,Laundry Room,Electric

Bathroom

  • Features: Stall Shower,Tile

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Features

  • Formal Dining Room,Breakfast Bar,Counter - Solid Surface,Wet Bar,Smart Home
  • Window features: Double Pane Windows
  • Flooring: Tile,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Starter
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,393
  • Total interior livable area: 2,393 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,Wet Bar

Property

Details

  • Parcel number: 244440370000
  • Special condition: Standard

Features

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

Lot

  • Lot size: 6,098 sqft
  • Features: Corner Lot,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 $4,293$51,516
Home Insurance *$173$2,076
Property Taxes $809$9,708
Electricity $513$6,157
Total$5,788$69,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,445/yr
40% on housing$173,640/yr
45% on housing$154,346/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

$355This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$849,000
2026-06-26Price change$849,000
2026-05-12Listed for sale$851,217
2025-09-22Listing removed$835,806
2025-06-20Listed for sale$835,806

New Construction

AgentBernie Romero
BrokerageToll Brothers Real Estate,inc

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