Regency at Tracy Lakes: 55+ New-Home Deals, Pricing & Incentives
Toll Brothers Tracy, San Joaquin County
Lakehouse clubhouse on 42 acres of lakes · Tracy, San Joaquin County
Kayaking, lakeside trails, and a Private Lakehouse clubhouse
Regency at Tracy Lakes is for buyers who picture retirement on the water: a Toll Brothers community in Tracy built around 42 acres of lakes with non-motorized boating, kayaking, and a Private Lakehouse clubhouse. It suits water-minded active adults who want paddle mornings and pickleball afternoons.
An honest trade-off to weigh
The trade-off is financing timing: the advertised ARM promotion carries a required close date, so the loan process sets the tour and contract calendar more than in communities without a deadline.
Where it sits
Tracy sits in San Joaquin County on the Delta corridor, a position that keeps the Bay Area on one side and the Central Valley’s roomier pricing on the other.
Current deals snapshot
Pricing, incentives & quick move-ins †
Last Observed
2026-10-27T20:15:00-07:00
Last Verified
2026-10-27T21:00:00-07:00
Last Published
October 28, 2026
As of October 27, 2026, Toll Brothers’ Regency at Tracy Lakes in Tracy lists 12 quick move-in homes ranging from $649,221 to $1,063,000, with a 4.625% Jumbo 5/1 ARM promotion and a required close by December 23, 2026. The Private Lakehouse clubhouse spans approximately 8,500+ sq ft, and the community’s 42-acre lakes support non-motorized boating and kayaking with lakeside trails. †
- Community lakes
- 42 Acres
- Non-motorized boating, kayaking, lakeside trails
Financing note: financing figures on this page are advertised by the builder or its preferred lender and are not offered by The Gary Lee Team. Every advertised rate is paired with its APR; all rates are subject to credit approval and qualification, and terms may change or be withdrawn without notice.
Buyer representation advisory
Planning to Visit This Builder? Let's Talk First.
Builder registration procedures and cooperating-broker policies can vary. If you'd like independent buyer representation, contact Gary Lee (916-595-4279, DRE #01448722) or Rutsell Lee (916-695-2800, DRE #02067791) before visiting a sales office or registering online so we can review the applicable procedures and help you plan your visit.
A Disclosure A: Independent Representation
The Gary Lee Team works for you as an independent buyer's representative and is not employed by any builder. Builder pricing and incentives are set by the builder alone.
B Disclosure B: Builder Visit Advisory
Builder registration procedures and cooperating-broker policies can vary. If you'd like independent buyer representation, contact Gary and Rutsell before visiting a sales office or registering online so we can review the applicable procedures and help you plan your visit. Call Gary: 916-595-4279, or Rutsell: 916-695-2800.
Before your first builder visit, read the First-Visit Buyer Representation guide: how builder registration, cooperating-broker policies, and representation work for California new construction.
Read the guideActive homesite inventory †
Verified homesite records as of October 27, 2026. Lot numbers are stored and rendered as text strings (for example, "0845") so leading zeros are preserved exactly as documented, each card carries its current advertised price and any documented previous price, and every homesite is subject to prior sale. Reconfirm every status with the sales office before you plan around it.
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The October 27, 2026 audit documents this community's inventory at the summary level. See the verified snapshot above and the documented figures on this page; no per-homesite card is shown because no per-lot current price is documented in this audit. Contact Gary and Rutsell for the current per-lot list.
Availability and move-in timing change constantly. Any future status shown here is a dated observation from the builder's published data and must be reconfirmed with the sales office before you plan around it.
C Disclosure C: Inventory & Availability
Homesite availability and move-in timing change without notice. No homesite is shown as available without a verified, dated status, and every status must be reconfirmed with the sales office. The statuses above are dated observations as of October 27, 2026 and are subject to prior sale.
Builder Pricing & Availability History †
Builder Pricing & Availability History
No separate historical observation log is published for this community yet; the verified current figures on this page are the October 27, 2026 observation. Historical observations will appear here dated and sourced as the team tracks this community, and will never be presented as current prices.
This archive works without JavaScript: it opens and closes as a native disclosure. Nothing in it is ever a sale price, and the only current numbers that matter are the ones the builder confirms in writing on the day you negotiate.
Specials of the week
Verified special
4.625% Jumbo 5/1 ARM
As advertised: this financing program is offered by the builder or its preferred lender, subject to credit approval and qualification, and may change without notice.
D Disclosure D: Builder Promotions
Price reductions, financing benefits, design upgrades, and closing-cost assistance are different forms of value and are never treated as interchangeable cash savings. Builder promotions change without notice and are reported only with their source and written terms.
E Disclosure E: Financing
Financing promotions are offered by the builder's preferred lender and are subject to credit approval, qualification, and written terms. Nothing here is a commitment to lend or a guarantee of any rate.
Beyond the Purchase Price: What Will This Home Really Cost?
A new home in a 55+ community carries ongoing costs that the advertised price never shows. The Gary Lee Team will publish each figure below with a verified source and the date it was confirmed. None have been verified for this community yet.
Property taxes
Assessor valuation, Proposition 19 base-year transfer possibilities, and expected annual property tax burden.
No verified figures yet
Mello-Roos / CFD charges
Community facilities district assessments and bond payments on the specific homesite, with the issuing district and annual amount.
No verified figures yet
HOA assessments
Monthly or annual HOA dues, what they include, reserve funding health, and any special assessments on the books.
No verified figures yet
Solar purchase or lease
Whether solar is owned, leased, or included by the builder, plus the monthly lease or net impact if a lease transfers.
No verified figures yet
Other homeownership expenses
Insurance, utilities, landscape maintenance, NEV or parking fees, and any community-specific charges.
No verified figures yet
Once verified, every figure is reported with its source (for example, the county assessor, the district's published rate sheet, or the community's governing documents) and the date it was checked. Historical figures are labeled as historical and never presented as current.
Want the full picture? Read our Prop 19 & Mello-Roos guide for how California base-year transfers and community facilities districts affect 55+ buyers.
Community lifestyle & amenities
Life Beyond Your Front Door
Life beyond the front door at Regency at Tracy Lakes is water-first: the community’s 42-acre lakes support non-motorized boating and kayaking with lakeside trails, and the approximately 8,500+ sq ft Private Lakehouse clubhouse sits at the center of daily life.
Gary Lee reminds buyers that the 4.625% Jumbo 5/1 ARM promotion carries a December 23, 2026 close deadline, so financing timelines drive tour timing here. He has served Northern California clients since 2004 and holds the SRES designation.
Rutsell Fabillar Lee co-founded The Gary Lee Team and brings hands-on client service and a multilingual perspective (English, Tagalog and Bisaya) to lakeside community tours across the Delta corridor.
New construction or resale: which fits your next chapter?
A quick move-in at Regency at Tracy Lakes is finished and available now with the advertised financing promotion. A resale home in the community may include upgraded landscaping and finishes, with negotiable terms. Compare effective new pricing against resale before deciding.
Private Lakehouse clubhouse
Approximately 8,500+ sq ft.
Community lakes
42-acre community lakes with non-motorized boating and kayaking, plus lakeside trails.
Amenity details beyond these verified points have not been confirmed for this community and are not claimed here. Reconfirm current amenities with the sales office.
Not sure which amenity package fits you? Use our Browse the 55+ Lifestyle Amenities Guide to compare resort programs across Northern California 55+ communities before you tour.
Local amenities around Regency at Tracy Lakes
Healthcare, grocery, recreation, transportation, and attractions near the community will appear here only as verified locations. No verified locations have been published for this community yet.
Healthcare
No verified locations yet
Grocery
No verified locations yet
Recreation & dining
No verified locations yet
Transportation
No verified locations yet
Attractions & day trips
No verified locations yet
Distance methodology: once locations are verified, each distance will state whether it is straight-line or driving distance and from which point it is measured (typically the community's main entrance).
Choosing between communities is about more than price and amenities. Read how buyers choose a 55+ community on the main NorCal55Plus site before you shortlist.
HOA & community rules
This community is age-qualified for 55+ occupancy. The verified HOPA 55+ age-qualification summary below states the occupancy rules that apply and the governing-document review buyers should complete before removing contingencies.
Age-qualification summary (HOPA & community CC&Rs)
At least one resident must be 55 or older, and additional occupants are subject to the minimum age restrictions in the community's CC&Rs. Buyers should review the specific phase CC&Rs, Bylaws, and HOA budget prior to removing contingencies.
Where community policy ends and federal law begins
As background, under the federal Housing for Older Persons Act (HOPA), a community that qualifies as housing for older persons must have at least 80 percent of its occupied homes occupied by at least one person age 55 or older. Beyond that federal standard, each community sets its own rules: how age is verified, who may occupy a home, guest and grandchild stays, rentals, pets, and parking of RVs, boats, or NEVs. Those community policies live in the governing documents and vary from one association to another, so they can only be reported accurately from the verified documents of this community.
Video & photo gallery
Plot map & floor plans †
The builder's own tools open in a new tab and are hosted on the builder's platform. Explore the community site plan and floor plans directly:
Community photo gallery
Photography is being prepared for this page. Each slot below shows the caption and provenance that will appear with the approved photo when it is uploaded. No image is shown until it is verified and hosted by this site.
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Hero photo
Regency at Tracy Lakes in Tracy, CA — The Lake House clubhouse exterior photographed by NorCal55Plus
Actual community photography
Photography being prepared
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Outdoor pool
Actual community photography
Photography being prepared
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Indoor pool
Actual community photography
Photography being prepared
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Indoor-outdoor bar
Actual community photography
Photography being prepared
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Exterior 1
Regency at Tracy Lakes by Toll Brothers in Tracy, CA — Twilight view of The Lake House clubhouse on the lake
Builder-provided photography
Photography being prepared
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Exterior 2
Regency at Tracy Lakes by Toll Brothers in Tracy, CA — Calero Collection Rubicon plan rear exterior and patio
Builder-provided photography
Photography being prepared
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Interior 1: Kitchen
Regency at Tracy Lakes by Toll Brothers in Tracy, CA — Calero Collection Angora plan gourmet kitchen
Builder-provided photography
Photography being prepared
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Interior 2: Great Room
Regency at Tracy Lakes by Toll Brothers in Tracy, CA — Calero Collection Rubicon plan open great room
Builder-provided photography
Photography being prepared
G Disclosure G: Photography
All imagery is authentic to this community and captioned with provenance. Renderings, virtual staging, and AI-altered images are labeled as such and never passed off as photographs. Until approved community photography is uploaded, this gallery honestly shows no images rather than substituting photos from elsewhere.
Private tours with Gary & Rutsell
Schedule a Private Tour
Tell us about the visit you have in mind for Regency at Tracy Lakes in Tracy, San Joaquin County, and Gary or Rutsell will confirm the day and time with you by text or email. No live calendar and no instant booking: just a real conversation about the community first.
Talk to the specialists
Contact Gary & Rutsell
Independent buyer representation for Regency at Tracy Lakes and every 55+ community in Northern California. English, Tagalog and Bisaya spoken.
- Gary Lee REALTOR® · CA DRE #01448722 (916) 595-4279 Text Gary
- Rutsell Lee REALTOR® · CA DRE #02067791 (916) 695-2800 Text Rutsell
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eXp Realty of Northern California, Inc.
915 Highland Pointe Dr, Suite 250, Roseville, CA 95678 - Team languages: English, Tagalog and Bisaya
F Disclosure F: Information Accuracy
Figures on this page are verified only when they carry a source and a check date. No unverified figure is published, and no historical observation is presented as current or as a sale price. Confirm everything in writing.
Buyer FAQs
Regency at Tracy Lakes, answered
Are the lakes open to residents for boating?
The October 27, 2026 audit documents 42-acre community lakes supporting non-motorized boating and kayaking, with lakeside trails. Confirm current lake access rules with the sales office.
What is the Private Lakehouse clubhouse?
An approximately 8,500+ sq ft clubhouse, per the October 27, 2026 audit. Square footage is approximate per disclosure 6. †
What financing promotion is advertised?
A 4.625% Jumbo 5/1 ARM (APR not stated in the audit) with escrow closing by December 23, 2026. Confirm terms in writing with Toll Brothers. †
Next steps with The Gary Lee Team
Already Have a Builder Quote? Let's Review the Details.
Share the written quote and we'll help you read the numbers: price, incentives, upgrades, financing terms, and the fine print.
Your Next Home Deserves Experienced Guidance.
Gary and Rutsell have guided 55+ buyers across Northern California since 2004. Next chapter, guided by people who do this every day.
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Read before you rely on any figure
Disclosures & Important Notes
Every rate, APR, price, incentive, deadline, and specification on this page carries a superscript dagger (†) that is an in-page link to the matching numbered note below. The links are plain HTML anchors and work without JavaScript.
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Lender and published rates
The Gary Lee Team and eXp Realty of Northern California, Inc. (CA DRE #02188495) operate strictly as independent real estate transition specialists and buyer advocates. We are not a licensed mortgage lender, financial institution, or builder affiliate. All advertised financing terms, interest rate buy-downs, and promotional ARM packages are offered solely by the builder's preferred lending entity, subject to individual credit qualification, underwriting approval, and separate documentation rules. All rates, terms, and incentives are subject to rapid structural adjustments or withdrawal by the builder without prior notice.
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Homes for sale: availability and pricing
All quick move-in inventory specifications, design gallery option selections, pricing parameters, and financial credits are reported on a first-come, first-served basis. Incentives apply strictly to the individual designated homesite parcel identified by its specific textual lot token code. Advertised entry points are restricted to a single property at this exact price position. Once a homesite transitions to a reserved, pending, or sold state, all corresponding builder promotions attached to that parcel immediately expire and cannot be transferred to alternative homesite lines.
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The builder is the seller
The Gary Lee Team represents buyers, does not set builder prices, and all prices, incentives, and terms are set by the builder and subject to change without notice.
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Subject to prior sale
Every specific homesite shown on this page is subject to prior sale and can be taken off the market by the builder at any time. Availability and move-in timing must be confirmed with the sales office before you plan around them.
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Financing offers, rates, and APRs
Financing offers such as rate buydowns, Flex Cash, and closing-cost credits are provided by the builder or its lender, carry the stated expiration and closing dates, and may not be combinable. Every advertised rate shown on this page is paired with its APR wherever a rate and term are stated, consistent with Regulation Z.
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Square footage, floor plans, and features
Square footage, floor plans, and features are approximate and may vary from the plans shown. Renderings and builder imagery are illustrative. Any image labeled as an artist rendering, builder-provided, or AI-altered carries that exact provenance label.
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HOA and Mello-Roos figures
HOA and Mello-Roos (CFD) figures appear on this page only where they have been verified. Until then, an honest pending state is shown and no figure is invented.