See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3943 Judd St, Stockton, CA, 95212

5beds
3baths
3,030sqft
$670,736
$221price/sqft
$4,669/moest. monthly cost
$186,760/yrincome needed

About This Home

Welcome to this beautiful Ammolite home. Included features: a charming covered entry, a formal dining room, a well-appointed kitchen offering a spacious island and a walk-in pantry, an expansive great room, a loft, a relaxing primary suite boasting an attached bath with dual sinks and a roomy walk-in closet, an upstairs laundry, four secondary bedrooms, two shared full bathrooms, and a covered patio with center-meet doors. Additional highlights include a smart front-door lock, a video doorbell, and a smart thermostat. This could be your dream home!

Getting Around

19
WalkingCar-Dependent
5
TransitMinimal Transit
31
BikeSomewhat Bikeable

Schools

5/10
George Lincoln MosherGrades K-60.8 mi
4/10
Morada Middle SchoolGrades 7-80.6 mi
3/10

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Richmond American Homes

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Interior Area

  • Total interior livable area: 3,030 sqft

Property

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage 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 $3,391$40,692
Home Insurance *$188$2,256
Property Taxes $441$5,292
Electricity $649$7,796
Total$4,669$56,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,080/yr
40% on housing$140,070/yr
45% on housing$124,506/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 95212$258
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
2026-05-01Price change$679,599
2026-04-25Listed for sale$679,162

New Construction Spec

BrokerageRichmond American Homes

Similar Homes