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10853 Orta Ln, Stockton, CA, 95209

3beds
3baths
1,784sqft
$500,000
$280price/sqft
$3,629/moest. monthly cost
$145,160/yrincome needed

About This Home

Impeccable traditional two-story home located in a gated community, offering 1,784 square feet with 3 bedrooms, 2.5 bathrooms, and an open floor plan designed for comfortable living and entertaining. The updated kitchen features quartz countertops, a gas cooktop, farmhouse sink, stainless steel dishwasher, exhaust fan, and garbage disposal. The spacious living area offers abundant natural light, ceiling fans, a whole-house fan, and a built-in TV and media system area. Thoughtful upgrades include neutral luxury vinyl plank flooring in the bedrooms, an energy-efficient HVAC system with updated ductwork, water heater, window treatments, rocker switches, and recessed lighting with dimmers. The primary suite features a private door to the bathroom, an updated shower, and an oversized closet. An additional bedroom includes a walk-in closet, and the closets feature organizers. Additional amenities include an updated downstairs half bathroom, oversized upstairs laundry room with cabinets, dual-pane windows, energy-efficient security screen door, alarm system, and ample storage throughout. The garage has overhead storage racks. The established backyard is designed for entertaining with an extended concrete patio and garden bed. Owned solar is included and paid in full.

Getting Around

7
WalkingCar-Dependent
0
TransitNo Nearby Transit
40
BikeSomewhat Bikeable

Schools

3/10

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Concrete,Slab
  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Gas Cooktop,Range Hood,Dishwasher,Water Heater,Microwave
  • Laundry features: Laundry Room,Cabinets,Upper Level,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Bar,Dining/Living Combo

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,784 sqft

Kitchen

  • Features: Pantry Closet,Quartz Counter,Kitchen Island

Master Bathroom

  • Features: Shower Stall(s),Walk-In Closet(s)

Property

Details

  • Parcel number: 084230450000
  • Zoning: res
  • Special condition: Offer As Is

Features

  • Private pool: Yes
  • Pool features: In Ground,Community
  • Fencing: Wood
  • Topography of land: Trees Few,Trees Few

Lot

  • Lot size: 2,931 sqft
  • Features: Auto Sprinkler F&R,Shape Regular,Landscape Back,Landscape Front
  • Lot size dimensions: 2,931 lot size

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Gentle Up Driveway/Sidewalks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Earthquake
Heat Wave
Inland Flooding
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 $2,528$30,336
Home Insurance *$148$1,776
Property Taxes $555$6,660
Electricity $398$4,786
Total$3,629$43,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,422/yr
40% on housing$108,870/yr
45% on housing$96,773/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

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 95209$246
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95209$261
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
2026-07-19Listed for sale$500,000
2023-04-21Sold$495,000
2023-03-18Price change$499,990
2023-01-24Listed for sale$504,990

For Sale by Agent

AgentChristina O'Neal
BrokerageRoundabout Real Estate

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