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4817 Cosmos Dr, Stockton, CA, 95212

3beds
2baths
1,671sqft
$497,500
$298price/sqft
$3,379/moest. monthly cost
$135,160/yrincome needed

About This Home

FHA assumable loan at 3.75% Discover this beautifully updated 3 bedroom 2 full bath home offering approximately 1,671 sqft of comfortable living space on an expansive 10,125 sqft lot. Inside you will find hardwood and laminate flooring throughout the main living areas with tile flooring in guest bathroom. A versatile bonus room provides the perfect space for a home office, hobby room or study. The spacious family room is warm and inviting, showcasing a stunning wood ceiling with exposed wood beams an ideal setting for relaxing or entertaining guests. The oversized kitchen offers abundant counter space and plenty of cabinetry. Making meal preparation and gatherings a breeze. The guest bathroom has been completely remodeled with a new vanity, updated tile and modern finishes. Additional recent improvements include a freshly painted interior, a newer electrical panel, and a newer comp presidential roof for added peace of mind. Step outside to enjoy the generous backyard designed for entertaining and family fun. The property includes two storage sheds for extra storage and an above ground swimming pool and play structure that is perfect for kids. The oversized lot also offers ample outdoor space with endless possibilities while extra front parking provides added convenience.

Getting Around

15
WalkingCar-Dependent
5
TransitMinimal Transit
30
BikeSomewhat Bikeable

Schools

4/10
Davis Elementary SchoolGrades K-60.9 mi
4/10
Morada Middle SchoolGrades 7-80.2 mi
3/10

Construction

Condition

  • Year built: 1961

Materials

  • Foundation: Raised
  • Roof: Fiberglass

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven/Range

Bedrooms & Bathrooms

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

Dining Room

  • Features: FormalDiningRoom

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • Flooring: Laminate,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Fireplace(s)
  • Cooling features: Ceiling Fan(s),Whole House Fan,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,671
  • Total interior livable area: 1,671 sqft

Property

Details

  • Parcel number: 08605210
  • Zoning: R-VL
  • Special condition: Standard

Features

  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard

Lot

  • Lot size: 10,123 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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
  • 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 $2,515$30,180
Home Insurance *$139$1,668
Property Taxes $327$3,924
Electricity $398$4,786
Total$3,379$40,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,851/yr
40% on housing$101,370/yr
45% on housing$90,106/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

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 95212$257
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95212$271
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
2026-07-30Listed for sale$497,500
2021-07-28Sold$450,000
2015-08-24Sold$250,000

For Sale by Agent

AgentAmy Molles
BrokerageKW Thrive Santa Cruz

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