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323-321 N Sierra Nevada St, Stockton, CA, 95205

4beds
2baths
2,192sqft
$349,000
$159price/sqft
$2,590/moest. monthly cost
$103,600/yrincome needed

About This Home

Live in One Unit, Let the Other Help Pay Your Mortgage! Why rent when you can own a property that helps pay your mortgage? Whether you're a first-time homebuyer, savvy investor, or looking to build long-term wealth through real estate, this is an opportunity you don't want to miss. The most affordable duplex currently on the market in Stockton, this income-producing property is ready to deliver value from day one. The downstairs unit is already rented at $2,100 per month, providing immediate, dependable cash flow while you enjoy the flexibility of the vacant upper unit. The spacious lower unit features 1 bedroom, 1 full bathroom, a generous living room, formal dining room, functional kitchen, and its own private laundry room. The vacant upper unit offers 3 bedrooms and 1 full bathroom, making it ideal for an owner-occupant looking to dramatically reduce their monthly housing costs or an investor seeking even greater rental income. With an updated kitchen and beautiful hardwood floors throughout, this home combines timeless character with modern appeal. Nestled in a beautiful tree-lined neighborhood just blocks from Constitution Park, you'll love the location. Walk to public transportation, grocery stores, restaurants, pharmacies, schools, hospitals, and countless everyday conveniences. Everything you need is just minutes from your front door. Whether your goal is to live nearly mortgage-free, create immediate positive cash flow, or build equity while someone else helps make your payment, this duplex offers incredible flexibility and outstanding value. Income-producing properties at this price point are becoming increasingly difficult to find. Don't wait, schedule your private tour today before another buyer seizes this exceptional opportunity!

Getting Around

86
WalkingVery Walkable
50
TransitGood Transit
66
BikeBikeable

Schools

3/10
Cesar Chavez High SchoolGrades 9-123.7 mi
2/10

Construction

Condition

  • Year built: 1908

Materials

  • Foundation: Concrete
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Microwave
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Wood,Painted/Stained

Heating & Cooling

  • Heating features: Varies by Unit
  • Cooling features: Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,192 sqft

Property

Details

  • Parcel number: 15113039
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,649 sqft
  • Features: Sidewalk

Parking

  • Parking features: On Street

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
    EarthquakeVery High
  • 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 $1,764$21,168
Home Insurance *$127$1,524
Property Taxes $229$2,748
Electricity $470$5,640
Total$2,590$31,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,800/yr
40% on housing$77,700/yr
45% on housing$69,066/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 95205$201
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95205$290
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
2026-08-14Pending sale$349,000
2026-07-18Listed for sale$349,000

For Sale by Agent

AgentXavier Pineda Vasquez
BrokerageLiberty Realty Co.

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