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1122-1120 S Commerce St, Stockton, CA, 95206

3beds
0baths
1,575sqft
$495,000
$314price/sqft
$3,367/moest. monthly cost
$134,680/yrincome needed

About This Home

Beautiful Duplex - A Must-See Opportunity! Beautiful duplex conveniently located just minutes from Interstate 5, offering easy access to shopping, schools, and major commuting routes. ● Bottom Unit: 3 bedrooms, 2 full bathrooms, and fully remodeled with modern finishes. ● Top Unit: 1 bedroom, 1 bathroom, perfect for rental income or extended family. ● RV access with a large lot offering plenty of parking and outdoor space. Whether you're looking for an investment property or a home with rental income potential, this duplex has it all. A must-see to truly appreciate everything this property has to offer!

Getting Around

78
WalkingVery Walkable
37
TransitSome Transit
59
BikeBikeable

Schools

1/10
4/10
Edison High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Raised
  • Roof: Shingle
  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Built-In Gas Oven,Built-In Gas Range
  • Laundry features: Washer/Dryer Hookups

Bedrooms & Bathrooms

  • Bedrooms: 3

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,575 sqft

Property

Details

  • Parcel number: 14715217
  • Zoning: r2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Topography of land: Level,Level

Lot

  • Lot size: 5,000 sqft
  • Features: Shape Regular

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
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
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 $2,502$30,024
Home Insurance *$142$1,704
Property Taxes $325$3,900
Electricity $398$4,786
Total$3,367$40,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,440/yr
40% on housing$101,010/yr
45% on housing$89,786/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

$314This listing

vs Other Active Listings

Avg $/sqft

ZIP 95206$213
San Joaquin County$288

vs Homes Sold Last Month

Median $/sqft

ZIP 95206$275
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
2026-08-03Listed for sale$495,000
2026-07-23Listing removed$495,000
2026-07-01Listed for sale$495,000

For Sale by Agent

AgentJorge Espino
BrokerageApproved Real Estate Group

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