Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$474,521$342 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

10190 RIVER OAKS DR

STOCKTON, CA 95209
3
Beds
2
Baths
1,386 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$475K
$464K low$485K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$184,521
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$147,617
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.62%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$260,000
JPMORGAN CHASE BANK NA · recorded Oct 8, 2024
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$30,000
WELLS FARGO FINANCIAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,695 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$235,044 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$83,973
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$151,071
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$235,044

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySan Joaquin
Lot (acres)The size of the land the home sits on, from county records.0.15
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
John Muir Elementary SchoolB
Elementary · Grades KG–6 · 0.3 mi
H
Bear Creek High SchoolC+
High · Grades 9–12 · 0.5 mi
M
Christa McAuliffe Middle SchoolC-
Middle · Grades 7–8 · 1.0 mi

District: Lodi Unified School District

Neighborhood · ZIP 95209These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.149

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.44,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,909 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,525
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,204
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.16 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10190 River Oaks Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Spanos Park East
  • Among the highest price per square foot in Stockton 95209
  • Smaller than 98% of homes in Spanos Park East
  • Has a smaller lot than 68% of homes in Stockton 95209
  • Among the oldest homes in Spanos Park East

What homes are worth in Stockton 95209

Each bar is how many homes fall in that price range. The marker is this home.

This home
$352K$756K

This home is worth more than 44% of homes in Stockton 95209.

How it measures up in Stockton 95209

The dot is this home. The mark in the middle is the typical home in Stockton 95209.

Estimated value$474,521
CheaperTypical $485,936Pricier

Pricier than 44% of homes nearby

Price per ft²$342
CheaperTypical $250Pricier

Pricier than almost all homes nearby

Living area1,386 ft²
SmallerTypical 1,965 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.15 ac
SmallerTypical 0.15 acBigger

Bigger than 32% of homes nearby

Year built1991
OlderTypical 1987Newer

Newer than 56% of homes nearby

How 10190 River Oaks Dr ranks against every home in each area.
MeasureThis homeSpanos Park EastStockton 95209San Joaquin County
Estimated valuepricier than$474,5218% of homes44% of homes41% of homes
Price per ft²pricier than$34298% of homesalmost all homes78% of homes
Living areabigger than1,386 ft²2% of homes5% of homes28% of homes
Lot sizebigger than0.15 ac49% of homes32% of homes46% of homes
Year builtnewer than1991almost no homes56% of homes55% of homes

About 10190 River Oaks Dr

How much is 10190 River Oaks Dr, Stockton, CA worth?

The TopHap Estimate for 10190 River Oaks Dr, Stockton, CA is $474,521 as of Jul 14, 2026. The likely range is $463,900 to $485,142. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10190 River Oaks Dr, Stockton, CA last sell?

10190 River Oaks Dr, Stockton, CA last sold on Jul 30, 2001, according to the county's recorded deed.

How big is 10190 River Oaks Dr, Stockton, CA?

10190 River Oaks Dr, Stockton, CA has 3 bedrooms, 2 bathrooms, 1,386 square feet of living space and a 0.15-acre lot.

When was 10190 River Oaks Dr, Stockton, CA built?

10190 River Oaks Dr, Stockton, CA was built in 1991, making it 35 years old. The building has 1 story.

What schools serve 10190 River Oaks Dr, Stockton, CA?

10190 River Oaks Dr, Stockton, CA is assigned to John Muir Elementary School (elementary), rated B; Bear Creek High School (high), rated C+; Christa McAuliffe Middle School (middle), rated C-. All sit in Lodi Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10190 River Oaks Dr, Stockton, CA compare to other homes in Stockton 95209?

Among the 12,376 homes in Stockton 95209, it is worth more than 44% of them ($474,521 against a typical $485,936), its price per square foot is higher than almost all of them ($342 against a typical $250), it is bigger than 5% of them (1,386 ft² against a typical 1,965 ft²), its lot is bigger than 32% of them (0.15 ac against a typical 0.15 ac) and it is newer than 56% of them (1991 against a typical 1987). Measured against all of San Joaquin County, it is worth more than 41% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10190 River Oaks Dr, Stockton, CA?

The 2025 property tax bill for 10190 River Oaks Dr, Stockton, CA was $2,695. The county assessed it at $235,044.

Closest homes

More homes in Stockton 95209

Assigned schools

Explore the area

See this home in context

Open 10190 River Oaks Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map