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4545 Winding River Cir, Stockton, CA, 95219

5beds
3baths
2,493sqft
$599,000
$240price/sqft
$4,341/moest. monthly cost
$173,640/yrincome needed

About This Home

Located in one of the most established and desirable Stockton neighborhoods, Winding River Circle, this home offers comfort and value. Featuring a 3 year old redone pool & spa, it's perfect for entertaining or unwinding in your own backyard. With this strong market positioning home owners will enjoy the added benefit of immediate equity.

Getting Around

40
WalkingCar-Dependent
25
TransitSome Transit
74
BikeVery Bikeable

Schools

4/10
Claudia Landeen SchoolGrades K-80.3 mi
7/10
Lincoln High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Free-Standing Gas Oven
  • Laundry features: In Garage

Bedrooms & Bathrooms

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

Dining Room

  • Features: Other

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 2,493 sqft

Kitchen

  • Features: Laminate Counters

Property

Details

  • Parcel number: 118050740000
  • Zoning description: SFR
  • Special condition: Offer As Is,Standard

Features

  • Private pool: Yes
  • Pool features: In Ground,Fenced,Gunite
  • Fencing: Fenced

Lot

  • Lot size: 7,801 sqft
  • Features: Sprinklers In Front,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Attached,Boat,RV Access/Parking
  • 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
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $3,028$36,336
Home Insurance *$185$2,220
Property Taxes $594$7,128
Electricity $534$6,415
Total$4,341$52,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,834/yr
40% on housing$130,230/yr
45% on housing$115,760/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 95219$241
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95219$280
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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Pending sale$599,000
2026-04-28Price change$599,000
2026-04-22Price change$611,000
2026-04-02Listed for sale$624,000
2017-09-07Sold$424,000
2009-07-28Sold$350,000
2001-10-25Sold$313,000

For Sale by Agent

AgentBryan Laber
BrokerageLaber Enterprises

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