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511 S Gertrude Ave, Stockton, CA, 95215

4beds
3baths
600sqft
$439,999
$733price/sqft
$3,258/moest. monthly cost
$130,320/yrincome needed

About This Home

INVESTORS OPPORTUNITY!!!! Income-producing property featuring three total unitsone fully remodeled front house, NEW FLOORING, NEW KITCHEN CABINETS, NEW INTERIOR PAINT and two rear units. Ideal for investors or owner-occupants looking to offset their mortgage with rental income. Strong rental appeal with its proximitywalking distance to Franklin High School and close to freeway access for commuters. Excellent opportunity in a desirable location.

Getting Around

39
WalkingCar-Dependent
31
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

5/10
Franklin High SchoolGrades 6-120.6 mi
2/10

Construction

Condition

  • Year built: 1948

Materials

  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Ceiling Fan(s),Wall Unit(s)

Interior Area

  • Total interior livable area: 600 sqft

Property

Details

  • Parcel number: 157300110000
  • Zoning description: R3
  • Special condition: Other

Lot

  • Lot size: 3,920 sqft

Parking

  • Parking features: None

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
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Lightning

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 $2,224$26,688
Home Insurance *$112$1,344
Property Taxes $524$6,288
Electricity $398$4,786
Total$3,258$39,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,702/yr
40% on housing$97,740/yr
45% on housing$86,880/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

$733This listing

vs Other Active Listings

Avg $/sqft

ZIP 95215$239
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95215$301
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)

Price History

DateEventPrice
2026-04-11Listed for sale$449,999
2010-01-20Sold$170,000
1994-02-17Sold$52,000

For Sale by Agent

AgentEsther Anaya
BrokerageBHGRE Integrity Real Estate

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