3098 Mulholland Dr, Lathrop, CA, 95330
About This Home
Welcome to this beautifully maintained north-facing lakefront home in the highly desirable River Islands community! This residence offers a rare opportunity to enjoy direct water access and a true resort-style living experience. Positioned along the water, the home features private dock access—perfect for kayaking, paddleboarding, or simply enjoying tranquil lake views. Step into the backyard and embrace a lifestyle centered around relaxation and leisure, with the lake just steps away. Inside, a light-filled open floor plan showcases a spacious living area enhanced with built-in surround sound and subwoofer, seamlessly connecting to the kitchen and dining space—ideal for both everyday living and entertaining. The kitchen is thoughtfully upgraded with KitchenAid stainless steel oven and dishwasher, a canopy hood exhaust, and a center island. A convenient pocket office with USB combo outlets adds everyday functionality, while the extended kitchen nook with lower open shelving offers the perfect space for a beverage or wine center. Upstairs, a spacious loft provides flexible living space—ideal for a home office, media room, or play area. Generously sized bedrooms include a comfortable primary suite designed for rest and retreat, while large windows throughout the home highlight the serene waterfront setting. Additional upgrades include a dedicated fitness/tech/hobby space at the storage area with carpet flooring, a 220V EV charger, and an exterior eave outlet—perfect for holiday lighting. Enjoy all that River Islands has to offer, including scenic walking trails, parks, and top-rated schools, with convenient access to I-5 for commuters. Experience north-facing lakefront living with private dock access—your everyday escape right at home. BONUS ENERGY SAVINGS! This home includes a premium prepaid solar system with no monthly solar payments for the new owner, plus monitoring, warranty coverage, and a smooth escrow transfer process.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Existing
- Year built: 2022
Materials
- Roof: Tile
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Modern/High Tech
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Microwave,Oven,Refrigerator,Dryer,Washer,Water Filter System,Tankless Water Heater
- Laundry features: Upper Level,Common Area
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Pantry,Updated Kitchen
- Window features: Double Pane Windows
- Flooring: Tile,Carpet
- Fireplace features: None
Heating & Cooling
- Heating features: Zoned
- Cooling features: Central Air
Interior Area
- Total structure area: 2,683
- Total interior livable area: 2,683 sqft
Kitchen
- Features: Dishwasher,Gas Range/Cooktop,Kitchen Island,Microwave,Oven Built-in,Pantry,Refrigerator,Updated Kitchen
Property
Details
- Parcel number: 210660720000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Covered,Front Porch
- Exterior features: Dock
- Fencing: Fenced
- Has view: Yes
- View description: Hills,Lake
- Has water view: Yes
- Water view: Lake
Lot
- Lot size: 5,523 sqft
- Features: Premium Lot,Back Yard,Front Yard,Side Yard,Landscape Back,Landscape Front
Parking
- Total spaces: 2
- Parking features: Attached,Garage Faces Front,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
- Drought
- Inland Flooding
- Heat Wave
- Lightning
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Joaquin County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,051 | $60,612 |
| Home Insurance * | $179 | $2,148 |
| Property Taxes | $743 | $8,916 |
| Electricity | $575 | $6,904 |
| Total | $6,548 | $78,576 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-19 | Listed for sale | $999,000 |
| 2022-10-13 | Sold | $1,071,500 |
View on Zillow