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3437 Waterfront Cir, Stockton, CA, 95209

3beds
3baths
2,322sqft
$558,950
$241price/sqft
$3,996/moest. monthly cost
$159,840/yrincome needed

About This Home

OAK SHORES! Proudly presenting, in great condition, this wonderfully maintained home in a very desirable gated Oak Shores. If open space & comfort speak to you, this floor plan will work perfectly. Inviting curb appeal & front approach opens to shining floors, great room, adjoining full dining room, & a kitchen w/counters & cabinetry galore! Stainless steel appliances (double ovens!) plus a lengthy built-in work area in the nook for homework, crafts or display. Full pantry closet, separate powder room, & laundry room that should please even the pickiest. The master suite doesn't disappoint, w/double sinks, a separate walk-in shower + tub. The remaining two bedrooms share a jack/jill bath, w/custom double areas to maximize use. Three-car garage too! Lots of natural light, mixed with comfort & ease of living. Mature landscaping, very low-maintenance back patio areas. Enjoy this home & patio areas without being overloaded by never-ending yard work.

Getting Around

11
WalkingCar-Dependent
23
TransitMinimal Transit
55
BikeBikeable

Schools

6/10
5/10
Bear Creek High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Concrete,Stucco,Glass,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Water Heater,Built-In Refrigerator,Ice Maker,Dishwasher,Microwave,Double Oven,Plumbed For Ice Maker
  • Laundry features: Laundry Room,Sink,Inside,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen,Dining/Living Combo

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,322 sqft

Kitchen

  • Features: Pantry Cabinet,Kitchen Island,Kitchen/Family Combo,Tile Counters

Master Bathroom

  • Features: Shower Stall(s),Double Vanity,Tile,Tub

Master Bedroom

  • Features: Walk-In Closet

Property

Details

  • Parcel number: 068220320000
  • Zoning description: R-1
  • Special condition: Standard

Features

  • Private pool: Yes
  • Pool features: In Ground,Community
  • Fencing: Back Yard,Wood,Front Yard

Lot

  • Lot size: 7,344 sqft
  • Features: Auto Sprinkler F&R,Curb(s)/Gutter(s),Street Lights,Landscape Back,Landscape Front

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Garage Faces Side,Level Driveway/Sidewalks
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,826$33,912
Home Insurance *$166$1,992
Property Taxes $507$6,084
Electricity $497$5,975
Total$3,996$47,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,005/yr
40% on housing$119,880/yr
45% on housing$106,560/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

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 95209$247
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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Pending sale$558,950
2026-04-22Listed for sale$558,950
2020-09-09Sold$475,000
2020-08-02Pending sale$475,000
2020-08-01Price change$475,000
2020-07-30Listed for sale$459,000
2000-02-23Sold$53,000

For Sale by Agent

AgentRandy Thomas
BrokerageCornerstone Real Estate Group

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