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4150 Rocky Point Ct, Tracy, CA, 95304

3beds
2baths
1,261sqft
$938,800
$744price/sqft
$5,957/moest. monthly cost
$238,280/yrincome needed

About This Home

Incredible Opportunity in a Prime Location! Welcome to this beautifully updated Ranchette-style single-story home nestled on a sprawling 1.54-acre lot in a quiet cul-de-sac within a highly sought-after neighborhood. This property combines modern upgrades with country charm, offering 3+ bedrooms and 2 full bathrooms—perfect for those seeking space, comfort, and functionality. Upgraded kitchen and bathrooms, a spacious master suite, and cathedral ceilings with ceiling fans for added elegance and comfort. Two cozy fireplaces bring warmth to the home, while the high-end water softener system, solar energy setup, and natural gas connection add efficiency and value. The exterior offers incredible space and versatility: Chain-linked fenced backyard, Horse setup for equestrian enthusiasts, RV and boat access, Outdoor storage container ,Shelving in the garage, Upgraded water well and septic system Located just minutes from major freeways and within walking distance to local schools, this property offers the best of both rural tranquility and urban convenience. Whether you're looking to create your dream homestead or simply enjoy extra space and privacy, this home is a rare find with endless potential.

Getting Around

2
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

--
Banta ElementaryGrades K-81.0 mi
6/10
River Islands HighGrades 9-123.4 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1980

Materials

  • Roof: Tile
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Free-Standing Range,Refrigerator,Dryer,Washer,Water Filter System,Water Softener
  • Laundry features: In Garage

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,261
  • Total interior livable area: 1,261 sqft

Kitchen

  • Features: Breakfast Bar,Tile Counters,Dishwasher,Gas Range/Cooktop,Range/Oven Free Standing,Refrigerator

Property

Details

  • Parcel number: 239250340000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Solar Pool Leased
  • Patio & porch: Front Porch
  • Horses can be raised: Yes

Lot

  • Lot size: 1.54 Acres
  • Features: Agricultural,Cul-De-Sac,Horses Possible,Back Yard

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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
    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 $4,747$56,964
Home Insurance *$194$2,328
Property Taxes $618$7,416
Electricity $398$4,786
Total$5,957$71,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,240/yr
40% on housing$178,710/yr
45% on housing$158,853/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

$744This listing

vs Other Active Listings

Avg $/sqft

ZIP 95304$390
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95304$344
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
2026-04-10Listed for sale$938,800
2025-05-04Listing removed$1,039,900
2025-04-30Listed for sale$1,039,900
2021-01-08Sold$719,000

For Sale by Agent

AgentBrian Zhu
BrokerageCozy Home Real Estate

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