View of front of home featuring stairway and roof with shingles
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20550 Ponderosa Way, Tuolumne, CA

$429K5bd · 3ba · 2,350 sqft
Lot 13,270 sqft•HOA $200/mo•Single Family Residence•
Active
•264d on market•MLS# 00-41121849

Property Description

A Rare opportunity to own a 5-bedroom mountain retreat offering flexible multi-generational living, income potential and room just minutes to Black Oak Casino, Sonora and Twain Harte. Upon entry, you are welcomed into a comfortable living room featuring a wood-burning stove and scenic views of Tuolumne. The dining area is conveniently located adjacent to the kitchen. The entry-level floor includes two bedrooms and one full bathroom. Upstairs, you’ll find the remaining bedrooms, including the primary suite. For added convenience, the washer and dryer are located in the primary bathroom. The lower level of the home features a fifth bedroom with a separate entrance, currently rented, offering potential additional income or in-law accommodations. This space includes a full kitchen, one bedroom, and one bathroom. The driveway provides ample parking for multiple vehicles, including space for a boat or RV. The home is just a short walk to the community pool and recently renovated clubhouse and is conveniently located minutes from Black Oak Casino, Pinecrest, and Dodge Ridge.

Features & Amenities

FeeBuilt 1990

Property Details

Land Type
Fee
Year Built
1990
Property Type
Residential
Property Subtype
Single Family Residence
Heating
Wall Furnace
Cooling
Central Air, Wall/Window Unit(s)
View
Hills, Mountain(s), Pool, Trees/Woods
Flooring
Carpet, Laminate
Roof
Shingle
City
Tuolumne
County
Tuolumne
Listed byUnknown Office, Travis M Giannini

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$2,169.26
Principal & Interest
Loan Amount
$343,200
Total Interest
$437,733
Total Payment Over 30 Years
$780,933
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Affordable Tier · 5 active · 3 closed

20550 Ponderosa Way, Tuolumne, CA

Tuolumne · Single Family Residence

$429K
Affordable Tier
Beds
5
Baths
3
Sqft
2,350
Lot
13,270 sqft
Year
1990
$/Sqft
$183
Pool: Yes✓
View: mountain✓

Listed 8.7% below the median closed sale of $470,000. Price per sqft ($183) is a 20% discount to closed comps ($229).

Price Position

Priced below the market — value advantage over the field.

Price advantage
Subject listed at $429K· $183/sqft
Total list price
Closed comps
vs closed median $470K
−$41K (−8.7%)
Active comps
vs active median $469K
−$40K (−8.5%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $242
−$59 (−24.3%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
20145 Chapel DrTuolumne1980332,40011,524$167$399,95017879
20175 Chapel DriveTuolumne1990332,35226,571$234$550,00016277
19466 Mira Monte RdTuolumne1998332,068300,564$399$825,00012875
20550 Deerhaven DrTuolumne1978421,76811,357$204$359,9004473
18527 Crocker AveTuolumne1956422,3006,970$204$469,0002972
Total: 5 · Average3.42.62,177.671,397.2$241.6$520,770108.2
Median2,300$469,000

Closed Properties (3)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
18210 Yosemite RdTuolumne195607/28/2026532,5329,583$449,000$430,000$1700.963479
20337 Patrick LaneTuolumne199908/14/2026332,03987,120$498,000$470,000$2310.948272
20581 Gerber RdTuolumne198006/30/2026321,88620,546$550,000$540,000$2860.987468
Total: 3 · Average3.72.72,152.33339,083$480,000$480,000$229—63.333333333333336
Median2,039$470,000$470,000

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.