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10640 Hidden Grove Cir, Stockton, CA, 95209

4beds
3baths
2,698sqft
$599,000
$222price/sqft
$4,368/moest. monthly cost
$174,720/yrincome needed

About This Home

Welcome to Hidden Grove Circle, a beautifully maintained two-story home located in the desirable Waterford Estates community within Lodi Unified School District. This spacious 4 bedroom, 2.5 bath home offers a bright and welcoming atmosphere with abundant natural light throughout. The home showcases luxury vinyl plank flooring throughout both levels with travertine tile in the bathrooms. The kitchen is equipped with stainless steel appliances, a pantry closet, and flows into the living spaces making it ideal for everyday living and entertaining. The laundry room and all bedrooms are located upstairs, including a generously sized primary suite featuring a large walk-in closet, double sinks, and a relaxing soaking tub. One additional bedroom also includes a walk-in closet. Two sliding glass doors provide seamless access to the backyard where you will find a low maintenance outdoor space with artificial turf, ideal for entertaining or relaxing. Enjoy added flexibility with no HOA and possible RV parking. Located near parks, shopping centers, and easy access to I-5 and Hwy 99, this home combines comfort and everyday convenience.

Getting Around

14
WalkingCar-Dependent
21
TransitMinimal Transit
47
BikeSomewhat Bikeable

Schools

6/10
5/10
Bear Creek High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stone,Stucco

Other

  • Builder name: Beck

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Gas Water Heater,Range Hood,Ice Maker,Dishwasher,Disposal,Microwave,Free-Standing Gas Oven
  • Laundry features: Cabinets,Electric Dryer Hookup,Gas Dryer Hookup,Upper Level,Inside Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Features: Dining/Family Combo,Space in Kitchen,Dining/Living Combo,Formal Area

Features

  • Flooring: Tile,Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,698 sqft

Kitchen

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

Master Bathroom

  • Features: Closet,Shower Stall(s),Double Vanity,Soaking Tub,Granite Counters,Walk-In Closet(s)

Property

Details

  • Parcel number: 070410600000
  • Zoning description: R1
  • Special condition: Standard

Lot

  • Lot size: 5,998 sqft
  • Features: Sprinklers In Front,Curb(s)/Gutter(s),Grass Artificial,Street Lights,Landscape Back,Landscape Front,Low Maintenance

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
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 $3,028$36,336
Home Insurance *$177$2,124
Property Taxes $585$7,020
Electricity $578$6,942
Total$4,368$52,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,760/yr
40% on housing$131,040/yr
45% on housing$116,480/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

$222This 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
2026-04-28Price change$599,000
2026-04-01Listed for sale$619,999
2008-08-20Sold$335,000
2004-02-12Sold$304,000

For Sale by Agent

AgentMelissa Savoie
BrokeragePMZ Real Estate

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