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8160 Encino Ave, Stockton, CA, 95209

3beds
2baths
2,808sqft
$685,000
$244price/sqft
$4,718/moest. monthly cost
$188,720/yrincome needed

About This Home

Experience the best of both worlds with this spacious 3-bedroom, 2-bathroom home that offers the serenity of country living right in the heart of town. 3% Assumable Interest Rate. Situated in the highly desirable Lincoln Unified School District on a lot just under half an acre, this impressive property combines old-world charm with tasteful modern updates. Owned solar with 60 panels adds tremendous value with utility savings. Inside, you'll find generously sized bedrooms, plus large separate living and family rooms filled with natural light perfect for relaxation or hosting gatherings. The spacious kitchen opens to the family room, creating a warm, connected space where everyone can be part of the conversation and the fun. The backyard is truly a showstopper, featuring a large patio with a gazebo ideal for entertaining, a sprawling lawn for parties or play, and a fenced garden area for the green thumb in the family. Several mature fruit trees line the property for your own backyard harvest. From its inviting interior to its one-of-a-kind outdoor amenities, this home truly has it all.

Getting Around

77
WalkingVery Walkable
43
TransitSome Transit
55
BikeBikeable

Schools

3/10
Colonial Heights SchoolGrades K-80.6 mi
7/10
Lincoln High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1939

Materials

  • Foundation: Raised,Slab
  • Roof: Composition
  • Construction materials: Stucco,Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Dishwasher,Disposal,Microwave,Wine Refrigerator
  • Laundry features: Laundry Room,Cabinets,Sink,Ground Floor,Inside Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Space in Kitchen,Formal Area

Features

  • Flooring: Laminate,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Other
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,808 sqft

Kitchen

  • Features: Breakfast Area,Pantry Cabinet,Granite Counters,Kitchen/Family Combo

Master Bathroom

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

Master Bedroom

  • Features: Closet,Walk-In Closet,Sitting Area

Property

Details

  • Zoning description: R-L
  • Special condition: Standard

Features

  • Fencing: Back Yard

Lot

  • Lot size: 0.39 Acres
  • Features: Auto Sprinkler F&R

Parking

  • Total spaces: 2
  • Parking features: Attached,RV Possible
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Earthquake
    EarthquakeModerate
  • 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 $3,463$41,556
Home Insurance *$203$2,436
Property Taxes $450$5,400
Electricity $602$7,225
Total$4,718$56,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,760/yr
40% on housing$141,540/yr
45% on housing$125,813/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

$244This 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)

Price History

DateEventPrice
2026-02-09Price change$699,950
2026-01-22Listed for sale$724,950
2025-12-15Listing removed$724,950
2025-10-06Price change$724,950
2025-08-20Listed for sale$749,950
2021-05-06Sold$550,000
2012-08-29Sold$295,000
2008-06-20Sold$276,000
2005-09-04Sold$615,000
2003-06-03Sold$285,000

For Sale by Agent

AgentJustin Belcher
BrokerageBelcher Real Estate, Inc.

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