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Property profile & analytics
OFF-MARKET
Estimated value
$2,915,000
Banks
18 Ctr St Stockton, CA 95202-2803
Individually Owned
4-yr Hold
Free & Clear
Property ID
US09-1262742
Property profile
Verified
Property type
Banks
Use group
FINANCIAL BUILDING
Year built
1979
Total area
15,775 SF
Lot
0.48 ac (20,909 SF)
Zoning code
C3
APN
149-030-110-000
UPID
US09-1262742
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
Financial Center Credit Union Credit Union
-
Valley Strong Credit Union Credit Union
-
Feng Frank Insurance Agency
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
$2.84M
CAP Approach
CAP
by Request
Comparable Approach
Comparable
by Request
Blend (final)
Blend
$2.92M
Owner & transaction history
Valley Strong Credit Union · 4 yrs held
Valley Strong Credit Union
since 2022
Last sale
$3.4M
2 recorded transactions
Zoning & alternative use
C3 · Stockton, CA
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Top alternative use upside
Restaurant
$2.2M
+148.8%
Medical building
$2.0M
+121.4%
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs Stockton submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs Stockton submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
Method
Estimation
Statistic approach
$2,915,000
ML approach
$2,835,000
CAP Approach
CAP Return
Estimation
6%
by Request
6.5%
by Request
7%
by Request
Alternative Use
Use
Estimation
RESTAURANT
$2,235,000
Change: +149% · Conversion: Difficult
MEDICAL BUILDING
$1,985,000
Change: +121% · Conversion: Difficult
Blend value · Realmo final
$2.92M
Range $2.62M – $3.21M · ±10% · vs last sale $3.39M (Feb 8 2022)
Last sale anchor
$3.39M
Feb 8 2022
Realmo estimate · informational only.
These numbers are calculated by our models from public records and may not reflect actual market value.
Not an appraisal.
Verify with a licensed appraiser before transacting. Realmo accepts no liability for divergence from real-world outcomes.
View the full estimation — every method, every assumption
Confidence drivers & risk notes · Custom comparable set · Free for first 3 / day
Full estimation methodology
Every method · every assumption · confidence drivers
Price per SF
Sale + rent benchmarks
Subject property
$185 / SF
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2024Property tax & assessments
Tax year 2024
Tax billed
$71,610
Tax year 2024
Assessed value
$4,943,251
Assessed 2024
Previous assessed
$4,943,251
+0.0% YoY
Effective rate
1.45%
On assessed value
Assessed land
$362,059
Assessed improvement
$4,581,192
Applied tax rate
3.0000
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Similar Nearby for Lease
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Banks
Use group
FINANCIAL BUILDING
Status
Off-Market
Year built
1979
Heating
NONE
Cooling
EVAPORATIVE
Stories
2
Total area
15,775 SF
Lot
0.48 ac (20,909 SF)
Zoning code
C3
APN
149-030-110-000
UPID
US09-1262742
Jurisdiction
SAN JOAQUIN
Zoning & alternative use
C3 · Stockton, CAZoning C3 · permitted uses
C3 · Stockton, CA
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
Alternative use value scenarios
Repositioning upside vs current use
RESTAURANT
Est. value
$2.2M
MEDICAL BUILDING
Est. value
$2.0M
RESTAURANT
MEDICAL BUILDING
Alternative use deep dive — conversion cost, permits, timeline
Conversion cost estimate · Permit path & risks · Stabilized NOI per option
Alternative use deep dive
Conversion cost · permit path · stabilized NOI per option
Building & site characteristics
From public records
Year built
1979
Heating
NONE
Cooling
Yes
Stories
2
Lot
0.48 ac
Current owner
From public records · entity-resolved
Valley Strong Credit Union
Individual
Free & Clear · 4 yrs held
Mailing address
11500 PO BOX 9506TH DR, BAKERSFIELD, CA 93389-9506
Ownership since
2022
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
2 recorded events · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Feb 8, 2022
$3,390,673
Valley Strong Credit Union
Financial Center Credit Union
Grant Deed
—
Oct 4, 1989
—
Centr Credit Union Financial
—
Deed Of Trust
related
—
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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