905 N Commerce St, Stockton, CA, 95202
About This Home
Here's a corner-lot 4-plex property located in the Civic Center / Downtown Stockton area. The property is within walking distance to Dignity Health St. Joseph's Medical Center and a short bike ride from the Miracle Mile. Enjoy easy access to restaurants, bars, shops, and the Stockton waterfront and arena. Each unit is 1-Bed 1-Bath with hardwood and tile flooring throughout. Some bathrooms and kitchens recently updated. Units are equipped with floor furnaces for heating and wall AC units for cooling. Laundry hookups are conveniently located in the basement. A clean, spacious backyard and two driveways provide ample private parking. The detached garage also offers excellent potential for future use. The property is fully occupied with updated leases that still offer strong upside potential. Situated in an Opportunity Zone, it qualifies for combined ADU development incentives that can further enhance investment economics.
Getting Around
Very Walkable
Good Transit
BikeableSchools
Construction
Condition
- Year built: 1917
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
Type & Style
- Home type: MultiFamily
- Property subType: Quadruplex,Residential Income
Interior
Appliances
- Appliances included: Oven/Range,Refrigerator
- Laundry features: Hookups Only
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
Features
- Door features: None
- Flooring: Hardwood,Tile
Heating & Cooling
- Heating features: Floor Furnace
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 2,760
- Total interior livable area: 2,760 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 13713043
- Zoning: R2
- Special condition: Standard
Features
- Stories: 2
Lot
- Lot size: 4,250 sqft
Parking
- Total spaces: 3
- Parking features: Detached,Off Street
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Carport: Yes
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
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in San Joaquin County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,629 | $31,548 |
| Home Insurance * | $180 | $2,160 |
| Property Taxes | $538 | $6,456 |
| Electricity | $591 | $7,102 |
| Total | $3,938 | $47,256 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-06 | Listed for sale | $549,000 |
| 2022-03-31 | Sold | $400,000 |
| 2016-10-12 | Sold | $243,000 |
| 2015-07-16 | Sold | $180,000 |
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