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1107 N Commerce St, Stockton, CA, 95202

4beds
4baths
3,385sqft
$699,900
$207price/sqft
$4,966/moest. monthly cost
$198,640/yrincome needed

About This Home

Immaculately updated and ideally located in the heart of Stockton, this turnkey 6-unit apartment building is a standout investment opportunity. Unit Mix: 3 Studios 2 Spacious 1-Bedrooms 1 Large 2-Bedroom Unit Property Highlights: Full Renovation - Modern upgrades throughout, inside and out State-of-the-Art Amenities - New flooring, lighting, fixtures, granite countertops & updated kitchens Stylish Bathrooms - Fully remodeled with sleek, contemporary finishes Energy-Efficient - Dual-pane windows enhance comfort and reduce utility costs Prime Location - Strong rental demand in a desirable area Assumable Loan - Take over a low 4.5% APR loan (inquire for details) Perfect for seasoned investors or those entering the market this is a rare turnkey opportunity with built-in cash flow potential!

Getting Around

85
WalkingVery Walkable
44
TransitSome Transit
67
BikeBikeable

Schools

2/10
3/10
Cesar Chavez High SchoolGrades 9-123.9 mi
4/10
Wilson Elementary SchoolGrades K-81.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Brick,Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: 5 or More Units

Interior

Appliances

  • Appliances included: Microwave,Other

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Other
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 3,385 sqft

Property

Details

  • Zoning description: Res - Apartment
  • Special condition: Standard

Features

  • Exterior features: Yard Space

Lot

  • Lot size: 10,001 sqft

Parking

  • Total spaces: 6
  • Parking features: Open

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

How This Home’s Risks Compare

Earthquake
Heat Wave

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 $3,539$42,468
Home Insurance *$242$2,904
Property Taxes $460$5,520
Electricity $725$8,710
Total$4,966$59,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,262/yr
40% on housing$148,980/yr
45% on housing$132,426/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 95202$172
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95202$152
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
2026-04-20Listed for sale$699,900
2025-07-05Listing removed$749,950
2025-04-28Listed for sale$749,950
2024-11-02Listing removed$775,000
2024-11-02Price change$775,000
2024-09-19Price change$799,500
2024-06-26Listed for sale$799,900
2003-09-01Sold$340,000
2002-01-10Sold$190,000

For Sale by Agent

AgentNisar Khan
BrokerageReliance Real Estate, Inc

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