521 McDowell Way, Tracy, CA, 95377
About This Home
Charming & east-facing home in desirable Lourence Ranch neighborhood, paid-for solar (12 panels), fresh 2-tone painted interior, newer WH, newer HVAC, 4 BR's plus loft / 5th BR option, 1 BR downstairs, lighted ceiling fans in all the bedrooms & loft, 3-car tandem garage, kitchen features Corian counters, diagonal tile backsplash, white cabinetry, gas cooktop, island with sink & breakfast bar and cabinet pulls, living room has tile-face gas fireplace, family room has laminate flooring, entertainment center with 2 built-in speakers & tile-face fireplace, primary BR includes plantation shutters, 2 built-in speakers, 2 separate vanities, Jacuzzi tub, stall shower & walk-in closet, upstairs laundry room has electric dryer hookup, cabinetry & sink, finished & painted garage has opener and metal hanging racks, low-maintenance backyard features a gazebo, aluminum patio cover, stone-block retaining wall and lots of color. Close to the Tracy Sports Complex, shopping & conveniences and easy freeway access. Take a look at this delightful home!!
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Concrete,Slab
- Roof: Tile
- Construction materials: Stucco,Frame,Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Electric Oven,Gas Plumbed,Dishwasher,Disposal,Microwave
- Laundry features: Laundry Room,Cabinets,Sink,Electric Dryer Hookup,Upper Level
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Breakfast Nook,Dining/Living Combo
Features
- Flooring: Carpet,Laminate,Linoleum,Tile
- Number of fireplaces: 2
- Fireplace features: Living Room,Family Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 3,107 sqft
Kitchen
- Features: Other Counter,Island w/Sink
Master Bathroom
- Features: Shower Stall(s),Double Vanity,Jetted Tub,Walk-In Closet(s)
Property
Details
- Parcel number: 240450740000
- Zoning: Res
- Special condition: Standard
Features
- Has spa: Yes
- Spa features: Bath
- Fencing: Wood
- Topography of land: Level,Level
Lot
- Lot size: 6,198 sqft
- Features: Landscape Back,Landscape Front
- Lot size dimensions: 6,200 sf
Parking
- Total spaces: 3
- Parking features: Attached,Tandem,Garage Door Opener,Garage Faces Front
- 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
- Inland Flooding
- Heat Wave
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 | $3,888 | $46,656 |
| Home Insurance * | $157 | $1,884 |
| Property Taxes | $994 | $11,928 |
| Electricity | $666 | $7,995 |
| Total | $5,705 | $68,460 |
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 |
|---|---|---|
| 2026-07-31 | Listed for sale | $769,000 |
| 2025-08-17 | Listing removed | $810,000 |
| 2025-07-15 | Price change | $810,000 |
| 2025-06-25 | Price change | $825,000 |
| 2025-05-15 | Listed for sale | $860,000 |
| 2003-03-13 | Sold | $436,500 |
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