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3535 Bullard Ln, Lathrop, CA, 95330

5beds
5baths
3,717sqft
$880,476
$237price/sqft
$5,985/moest. monthly cost
$239,400/yrincome needed

About This Home

Quick Move-In Opportunity! Discover luxury living in this brand-new home by locally owned and award-winning Signature Homes in the desirable Clearwater neighborhood at River Islands. Homesite 114 offers 5 bedrooms, 4.5 baths, a versatile bonus room, private Multi-Gen Suite with separate entrance, and a 3-car garage, thoughtfully designed for today’s modern lifestyle. The open-concept main level showcases exceptional craftsmanship with a seamless flow between the great room, chef-inspired kitchen, and dining area. A dramatic 12-foot glass sliding door opens to the covered California Room, creating effortless indoor-outdoor living and a spacious backyard ideal for entertaining. The Multi-Gen Suite provides privacy and flexibility for extended family or guests, while the bonus room is perfect for a home office, media lounge, or study space. Over $70,000 in designer and electrical upgrades elevate the home with quartz kitchen countertops, Dove Gray painted beech shaker cabinetry, luxury flooring in the main living areas, and ceramic tile in bathrooms, laundry, and entry. Enjoy the vibrant River Islands lifestyle with highly rated schools, scenic riverfront trails, parks, and family-friendly amenities just minutes away.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Banta ElementaryGrades K-83.7 mi
6/10
River Islands HighGrades 9-121.1 mi

Construction

Condition

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

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Frame

Other

  • Builder model: Residence 3
  • Builder name: Signature Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Plumbed For Ice Maker,Microwave,Oven,Electric Water Heater,ENERGY STAR Qualified Appliances
  • Laundry features: Hookups Only,Laundry Room,Inside

Bathroom

  • Features: Shower Over Tub,Stall Shower,Marble,Tile,Tub,Window

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1

Features

  • Counter - Solid Surface,Pantry
  • Window features: Double Pane Windows,Screens,Low Emissivity Windows
  • Flooring: Tile
  • Fireplace features: None

Heating & Cooling

  • Heating features: Zoned
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,717
  • Total interior livable area: 3,717 sqft

Kitchen

  • Features: Counter - Solid Surface,Stone Counters,Dishwasher,Disposal,Gas Range/Cooktop,Ice Maker Hookup,Kitchen Island,Microwave,Oven Built-in,Pantry

Property

Details

  • Parcel number: 22014014
  • Zoning: R
  • Special condition: Standard
  • Other equipment: Irrigation Equipment

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Fenced
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 6,098 sqft
  • Features: Rectangular Lot,Back Yard,Front Yard

Parking

  • Total spaces: 3
  • Parking features: Attached,Direct Access,Off Street,Tandem,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $4,452$53,424
Home Insurance *$157$1,884
Property Taxes $579$6,948
Electricity $797$9,564
Total$5,985$71,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,200/yr
40% on housing$179,550/yr
45% on housing$159,600/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 95330$287
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95330$305
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
2026-04-01Price change$910,476
2026-02-13Listed for sale$1,073,476

New Construction Spec

AgentJuliann Cretsinger
BrokerageSignature Homes

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