520 S Union Street, Stockton, CA 95205, Stockton, 95205 - 4 bed, 3 bath
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520 S Union Street
Stockton, CA 95205
ACTIVE
CONDITION: EXCELLENT
4Beds
3Baths
1,420Sq Ft
7,501Lot Size
Property Price
LIST PRICE$399,000
EST. MARKET VALUE
$497,154
19% BelowMARKET VALUE
SUMMARY
This property presents a High-Potential Investment Opportunity with a List Price of $399,000—positioned well below the $497,155 Fair Market Value by 19%. This valuation gap offers $98,155 in Instant Equity. Featuring a Condition Rating of 2 following a comprehensive 2024 renovation, this Residential Income duplex generates $3,000 in monthly rental income. With separate utility metering and updated major systems, this is a turnkey, income-producing asset ideal for Buy-and-Hold Investors or Owner-Occupants seeking a house-hack strategy.
Estimated Market Value
$497,154+$98,154 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in Stockton.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 520 S Union Street Subject | $399,000* List Price | 4 | 3 | 1,420 | $350 | - |
A 1211 E Main Street Active | $459,900 List Price | 4 | 2 | 1,792 | $257 | 0.4 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Excellent
TeardownExcellent
Property is new construction or fully renovated.
Despite the 1910 build date, the property underwent a comprehensive renovation in November 2024. Per the listing, all major systems including HVAC, electrical, and roofing are new, along with updated kitchens and bathrooms, meeting the criteria for a recent renovation under 5 years old.
PROSSTRENGTHS & OPPORTUNITIES
- Immediate Cash Flow
The property is fully occupied and generates a combined $3,000 monthly rental income, offering a turnkey opportunity for investors to receive immediate returns.
- Comprehensive 2024 Remodel
Extensive recent upgrades to major systems including roofing, electrical, HVAC, and windows significantly reduce the likelihood of near-term capital expenditures.
- Separate Utility Metering
Each unit is individually metered for gas, electricity, and water, shifting the utility cost burden to tenants and simplifying property management.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Living area discrepancy between mls listing and other public or private record. mls listing living area = 1420, other record living area = 920. Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 4, other record bedroom count = 3.
- Century-Old Structure
Originally built in 1910, the property may have underlying structural characteristics or layout limitations inherent to its age that modern renovations cannot fully eliminate.
- Rapid Valuation Increase
The listing price reflects a significant jump from the 2024 sale price of $178,000, which may lead to appraisal challenges or closer scrutiny of the renovation quality.
About 520 S Union Street
Great investment opportunity with two occupied residences generating a combined $3,000 per month in rental income! The front residence offers 3 bedrooms and 2 bathrooms and is currently rented for $2,000/month, while the rear residence features 1 bedroom and 1 bathroom and is rented for $1,000/month. Both units were remodeled following the sellers' purchase in November 2024. Per seller, improvements include roofing, electrical, windows, stucco, interior paint, flooring, HVAC, kitchens, and bathrooms. The front home features central heating and air along with laundry hookups, while the rear unit is equipped with a mini-split system. Each unit is separately metered for gas, electricity, and water, with tenants responsible for their own utilities. Parking is conveniently located at the rear of the property. With both units already occupied and producing income, this property offers an excellent opportunity to add a remodeled, income-producing asset to your portfolio.
Property Details
Public Facts
- Property Type
- Duplex
- Year Built
- 1910
- Lot Size
- 7,501 Sq. Ft.
Interior
- Total Bedrooms
- 4
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 4.5 |
| Baths | 3.0 | 2.3 |
| Square foot | 1,420 | 1,952.667 |
| Lot Size | 7,501 | 7,118.5 |
| Price | $399.0K | $440.5K |
| Price per sq ft | $281 | $237 |
| Built year | 1910 | 1961 |
| HOA | $0 | $112 |
| Days on market | 20 | 73 |
Pricing History
Listed for Sale
Aug 20, 2026
$399,000
Initial Listing
Sold
Dec 13, 2024
$178,000
Public Record