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1381 Citadelle St, Tracy, CA, 95304

5beds
5baths
3,767sqft
$1,125,000
$299price/sqft
$7,985/moest. monthly cost
$319,400/yrincome needed

About This Home

Amazing value, now $975,000! This home in the beautiful home in Elissagaray Ranch is now priced $125,000 under the last sale of this model that closed in July! Welcome to this exceptional residence in one of Tracy's most sought-after neighborhoods — on a quiet, low-traffic street with a private north-facing backyard. Offering 3,767 square feet of beautifully designed living space on an expansive 11,444 square foot lot, this stunning home features 5 spacious bedrooms, 4.5 bathrooms, and a 3-car garage — with a full bathroom and flexible office/bedroom space conveniently located on the main floor. Recently remodeled inside and out, the home's open floor plan is ideal for both everyday living and entertaining. A welcoming formal living and dining room with a gas fireplace sets the tone on entry, while the heart of the home — a chef-inspired kitchen flowing seamlessly into the expansive family room with its own fireplace — is where everyday life unfolds beautifully. An oversized breakfast bar, abundant cabinetry, and generous dining space round out the space perfectly. Upstairs, a massive bonus room offers the perfect space for a second family gathering area, media room, game room, or home office, alongside spacious secondary bedrooms, an upstairs laundry room, and a luxurious primary suite. Step outside into your own private retreat. The beautifully landscaped backyard features a sparkling pool and spa — recently refinished with PebbleTec and a new heater, plus an in-floor filtration system — all set on one of the larger lots in the neighborhood with complete privacy and no rear neighbors. Completing the package is a fully owned, oversized 15KW solar system — providing exceptional energy savings from day one with no lease or payments to assume. This is a rare opportunity to own a spacious, move-in ready home that delivers comfort and style living in one exceptional package!

Getting Around

6
WalkingCar-Dependent
16
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

6/10
Tracy High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Composition Shingles,Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Gas Water Heater
  • Laundry features: Laundry Room,Inside,Upper Level,Common Area

Bedrooms & Bathrooms

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

Features

  • Formal Dining Room,Updated Kitchen
  • Window features: Screens,Window Coverings
  • Flooring: Laminate,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,767
  • Total interior livable area: 3,767 sqft

Kitchen

  • Features: Dishwasher,Disposal,Gas Range/Cooktop,Updated Kitchen

Property

Details

  • Parcel number: 252280430000
  • Special condition: Standard
  • Other equipment: Irrigation Equipment

Features

  • Levels: Two
  • Stories: 2
  • Entry location: No Steps to Entry
  • Private pool: Yes
  • Pool features: Gunite,In Ground,Outdoor Pool
  • Patio & porch: Patio
  • Exterior features: Private Entrance
  • Fencing: Fenced,Wood

Lot

  • Lot size: 0.26 Acres
  • Features: Irregular Lot,Level,Premium Lot,Back Yard,Front Yard,Landscaped,Sprinklers In Rear,Side Yard,Landscape Back,Landscape Front,Yard Space

Parking

  • Total spaces: 6
  • Parking features: Attached,Parking Spaces,Garage Faces Front,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
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $5,688$68,256
Home Insurance *$233$2,796
Property Taxes $1,257$15,084
Electricity $807$9,693
Total$7,985$95,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,771/yr
40% on housing$239,550/yr
45% on housing$212,933/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

$299This listing

vs Other Active Listings

Avg $/sqft

ZIP 95304$400
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
2026-08-17Pending sale$975,000
2026-08-11Price change$975,000
2026-08-08Price change$1,045,000
2026-07-08Listed for sale$1,125,000
2002-04-12Sold$577,500

For Sale by Agent

AgentDebbie Burness
BrokerageCompass

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