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

$399K5bd · 3ba · 2,350 sqft
Lot 13,270 sqft•HOA $200/mo•Single Family Residence•
Active
•284d 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 byCentury 21/Wildwood Properties, Travis M Giannini

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$2,017.56
Principal & Interest
Loan Amount
$319,200
Total Interest
$407,122
Total Payment Over 30 Years
$726,322
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 · 5 closed

20550 Ponderosa Way, Tuolumne, CA

Tuolumne · Single Family Residence

$399K
Affordable Tier
Beds
5
Baths
3
Sqft
2,350
Lot
13,270 sqft
Year
1990
$/Sqft
$170
Pool: Yes✓
View: mountain✓

Listed 7.8% above the median closed sale of $370,000. Price per sqft ($170) is a 29% discount to closed comps ($239).

Price Position

Positioned above the market — commands a premium.

Premium
Subject listed at $399K· $170/sqft
Total list price
Closed comps
vs closed median $370K
+$29K (+7.8%)
Active comps
vs active median $400K
−$950 (−0.2%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $226
−$56 (−24.7%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
20145 Chapel DrTuolumne1980332,40011,524$167$399,95020081
20550 Deerhaven DrTuolumne1978421,76811,357$204$359,9006677
21440 Tuolumne RdTwain Harte1986321,80087,991$247$444,99523762
20809 Caylor DriveSoulsbyville1978331,62214,375$215$349,0008162
21837 Cedar Springs RdTwain Harte2026321,45511,325$296$430,0005456
Total: 5 · Average3.22.41,80927,314.4$225.8$396,769127.6
Median1,768$399,950

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
19584 Cherokee RdTuolumne199009/14/2026321,63673,180$349,995$350,000$2141.007760
18210 Yosemite RdTuolumne195607/28/2026532,5329,583$449,000$430,000$1700.963559
20532 Charlotte CtSoulsbyville198609/23/2026321,24818,885$375,000$370,000$2960.9911059
21570 Eel River DrSonora197508/18/2026431,76813,460$439,000$422,000$2390.9614757
20585 Charlotte CtSoulsbyville197809/03/2026221,32014,497$364,000$364,000$2761.002756
Total: 5 · Average3.42.41,700.825,921$387,200$387,200$239—79.2
Median1,636$370,000$370,000

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.