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16761 Forty Niner Trl, Lathrop, CA, 95330

5beds
3baths
3,012sqft
$650,000
$216price/sqft
$4,930/moest. monthly cost
$197,200/yrincome needed

About This Home

Welcome to this beautiful two-story home offering 5 bedrooms and 3 bathrooms, with plenty of space for comfortable living, entertaining, and growing families. The home features great curb appeal with a stylish exterior, tile roof, mature palm trees, and a welcoming front entry that gives it a warm California feel. Inside, the spacious floor plan provides flexibility for a large family, guests, a home office, or multi-generational living. With five bedrooms and three bathrooms, there is room for everyone to enjoy privacy and comfort.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
6/10
Lathrop High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Formal Room,Space in Kitchen

Features

  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,012 sqft

Kitchen

  • Features: Pantry Closet,Granite Counters,Kitchen Island,Island w/Sink

Property

Details

  • Parcel number: 191370520000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Topography of land: Level,Level

Lot

  • Lot size: 5,501 sqft
  • Features: Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • 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
  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Drought
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 $3,286$39,432
Home Insurance *$116$1,392
Property Taxes $883$10,596
Electricity $645$7,750
Total$4,930$59,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,028/yr
40% on housing$147,900/yr
45% on housing$131,466/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

$216This 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
2026-07-10Price change$650,000
2026-06-30Listed for sale$689,000
2018-04-20Sold$280,000
2016-08-15Sold$210,000

For Sale by Agent

AgentRamon Leal
BrokerageValley Capital Realty

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