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20822 Disch Rd, Lockeford, CA, 95237

2beds
1baths
1,160sqft
$600,000
$517price/sqft
$3,982/moest. monthly cost
$159,280/yrincome needed

About This Home

Beautiful Country Fixer, will need a cash buyer but this could be a fantastic close in country property. Rebuild the home with permits for remodel instead of new build, live in the house and build your dream home? Lots of choices here!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
6/10
Lodi High SchoolGrades 9-1210.2 mi

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Wood,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range
  • Laundry features: Laundry Room,Ground Floor,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Nook

Features

  • Flooring: Carpet,Laminate,Linoleum
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace Insert,Fireplace(s)
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,160 sqft

Kitchen

  • Features: Tile Counters

Master Bathroom

  • Features: Tile,Tub w/Shower Over

Master Bedroom

  • Features: Ground Floor

Property

Details

  • Zoning: rural agriculture
  • Special condition: Offer As Is
  • Horse amenities: Pasture

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Barbed Wire,Chain Link,Entry Gate,Fenced
  • Waterfront features: Pond Seasonal
  • Topography of land: Level,Lot Grade Varies,Level,Lot Grade Varies
  • Horses can be raised: Yes

Lot

  • Lot size: 15.08 Acres

Parking

  • Total spaces: 1
  • Parking features: Covered,RV Possible,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Drought
    DroughtVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
Wildfire
Lightning

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 $3,033$36,396
Home Insurance *$156$1,872
Property Taxes $395$4,740
Electricity $398$4,786
Total$3,982$47,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,525/yr
40% on housing$119,460/yr
45% on housing$106,186/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

$517This listing

vs Other Active Listings

Avg $/sqft

ZIP 95237$369
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95237$348
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$600,000
2026-06-21Price change$600,000
2026-05-24Listed for sale$625,000

For Sale by Agent

AgentEileen Schamber
BrokerageHomeSmart PV and Associates

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