Active Listing · Ripon, CA

638 Orange Ave

Ripon, CA 95366 · San Joaquin County
$499,999
Listed · No HOA
3
Bedrooms
2
Bathrooms
1,205
Sq Ft
6,564
Lot Sq Ft
~0.15 acres
1960
Year Built
64 yrs old
About This Home

A Solid Ripon Ranch With Room to Make It Yours

638 Orange Ave is a classic 3-bedroom, 2-bath ranch-style home sitting on a generous 6,564 sq ft lot in the heart of Ripon — one of the most sought-after small cities in the Central Valley. Built in 1960, the home has good bones and has been updated in key areas: new LVP flooring in the living spaces, updated bathroom fixtures and vanities, stainless steel appliances in the kitchen, and a covered stamped-concrete patio out back that's built for entertaining. No HOA means you keep the savings and the freedom.

The layout is efficient and functional — a bright living room opens to the kitchen, and all three bedrooms are comfortably sized. The covered rear patio with string lights and mature landscaping creates an outdoor space you'll actually use. A detached laundry area, storage shed, and long driveway round out the practical bones. This is a home for buyers who value location, lot size, and community — with the upside of adding your own personal touch.

No HOA Ripon Unified Schools Covered Patio Storage Shed LVP Flooring Gas Range Updated Baths Large Lot
Property Features

What's Inside

Ranch-Style LayoutSingle story, easy flow from living to kitchen to bedrooms
LVP FlooringUpdated luxury vinyl plank in living room and family room
KitchenOak cabinets, gas range/oven, dishwasher, stainless steel refrigerator
Updated BathroomsNew vanity fixtures, quartz-look countertop in one bath, glass shower door
3 BedroomsAll with closets; primary has private door to exterior
Covered PatioStamped concrete, string lights, roses — great for entertaining
Detached Laundry RoomFull-size W/D hookups with utility sink and shelving
Storage Shed + Side YardSeparate storage building, mature trees, and fenced side yard
Property Details

By the Numbers

Address638 Orange Ave, Ripon, CA 95366
List Price$499,999
Price Per Sq Ft~$415 / sqft
Bedrooms3
Bathrooms2
Living Area1,205 sq ft
Lot Size6,564.49 sq ft
Year Built1960
Property TypeSingle Family Residence
StyleRanch
GarageCarport / Covered Parking
HOANone
CountySan Joaquin County
School DistrictRipon Unified School District
Listing AgentRobert Gonzales · PMZ Real Estate
DRE #02425173
Why Ripon

Small Town, Big Appeal

Ripon consistently ranks as one of the most livable cities in the Central Valley — low crime, top-rated schools, and a close-knit community feel. With easy access to Highway 99 and proximity to Modesto, Manteca, and Stockton, it's a town that offers the best of both worlds: quiet streets and short commutes.

🏫
Ripon Unified Schools
Highly rated district consistently outperforming county averages — a top draw for families.
🛣️
Commuter Friendly
Minutes to Hwy 99 — easy shot to Stockton, Modesto, Manteca or the Bay Area.
🌳
Quiet Established Neighborhood
Tree-lined streets, mature lots, and a neighborhood where people actually know their neighbors.
Market Context

How It Compares

Recent Ripon sales show strong demand for 3-bed ranch homes. At ~$415/sqft with no HOA and a 6,500+ sqft lot, 638 Orange Ave is competitively positioned against the current market.

● Recently Sold
Maple Ave
Ripon, CA 95366
$465,000
Beds / Baths3 / 1
Sq Ft1,092 sqft
Price / Sqft$426/sqft
Days on Market18 days
● Recently Sold
Willow Ave
Ripon, CA 95366
$520,000
Beds / Baths3 / 2
Sq Ft1,380 sqft
Price / Sqft$377/sqft
Days on Market22 days
● Active Listing
S Stockton Ave
Ripon, CA 95366
$510,000
Beds / Baths3 / 2
Sq Ft1,248 sqft
Price / Sqft$409/sqft
Days on MarketActive

Comp data sourced from MLS — believed accurate, not guaranteed. Street names generalized; contact Robert for full CMA with exact addresses. Verify independently prior to any offer.

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Investment Analysis

Is 638 Orange Ave a Smart Buy?

A numbers-first look at this property for buyers evaluating it as a primary residence or rental investment. Data points to be updated with current market research.

🏡

Verdict: Strong Primary Residence Buy — Cautious Rental Play

At $499,999 with no HOA, a 6,564 sqft lot, and Ripon Unified schools, this property makes a compelling case as a primary residence in one of the Central Valley's most desirable small cities. Ripon has consistently held value through market cycles — median SFR prices have risen ~34% since 2020 — and low inventory keeps demand healthy. As a rental, cash flow is negative at standard 20% down financing (~−$1,500/mo), so this is not a pure investment buy at current rates. However, as a primary home with built-in equity and appreciation upside in a supply-constrained market, the fundamentals are solid. Best suited for an owner-occupant who wants quality schools, no HOA, and long-term appreciation in a proven Central Valley community.

✓ Reasons to Buy

No HOA — full flexibility and lower monthly costs
Ripon Unified School District — consistently strong ratings
Large lot relative to price — 6,564 sqft
Updated LVP flooring and bathroom fixtures reduce near-term capex
Add additional pros here

✗ Considerations

1960 build — older systems (roof, HVAC, plumbing) may need attention
1,205 sqft is on the smaller side — limited room to grow
Add additional considerations here
Update with specific inspection or market findings
Ripon Median Price Trend
Ripon SFR median price — 2020–2025. Source: MLS historical data, approximate.
Days on Market — Ripon SFR
Avg days on market, Ripon SFR — 2020–2025. Low DOM = strong seller market.
Monthly Income Estimate
Est. Market Rent (3/2 Ripon)$2,300
Vacancy Allowance (5%)−$115
Gross Effective Income$2,185
Property Tax (~1.1%/yr)−$458
Insurance (est.)−$150
Maintenance Reserve (1%/yr)−$417
Net Operating Income / mo$1,160
Monthly Expenses — 20% Down
Down Payment (20%)$100,000
Loan Amount$399,999
P&I @ 7.25% / 30yr−$2,728
Tax + Insurance + Maint.−$1,025
Total Monthly Out−$3,753
Monthly Cash Flow (Rental)−$1,453

Cap Rate: ~2.8% (NOI/Purchase Price). Negative cash flow as a pure rental at 20% down — this property performs best as an owner-occupied home with long-term appreciation. Rate and rent estimates as of May 2026; verify with your lender.

Location
9/10
Ripon: low crime, top schools, Hwy 99 access
Price / Value
7/10
At market; competitive for lot size & no HOA
School District
A
Ripon Unified — consistently high-rated
Rental Demand
6/10
Moderate; negative CF at current rates
Appreciation Outlook
8/10
Ripon supply-constrained; strong 5yr trend
Overall Score
7.5/10
Strong primary residence; moderate investor play
3-Year Hold
~$546,000
At 3% annual appreciation · ~$46K gain
5-Year Hold
~$580,000
At 3% annual appreciation · ~$80K gain
7-Year Hold
~$615,000
At 3% annual appreciation · ~$115K gain

Projections assume 3% annual appreciation — Ripon's historical average has tracked 4–5% over 5-year periods. Conservative modeling used here. All projections are estimates only and not guaranteed. Consult Robert for a market-specific CMA before making any offer.

Belcher Elementary
Elementary · K–5 · Ripon Unified
GreatSchools: 7/10
Colony Oak Middle School
Middle School · 6–8 · Ripon Unified
GreatSchools: 8/10
Ripon High School
High School · 9–12 · Ripon Unified
GreatSchools: 9/10

Ratings sourced from GreatSchools.org — approximate and subject to change. Verify current enrollment boundaries and ratings directly with Ripon Unified School District before purchase.

Roof Inspection / Potential Replacement (1960 build)$8,000–$18,000
HVAC Inspection / Service or Replacement$300–$8,000
Exterior Paint / Touch-Up$2,500–$5,000
Kitchen Update (counters, backsplash)$3,000–$8,000
Interior Paint (full home)$2,000–$4,000
Landscaping / Side Yard Cleanup$500–$2,000
Plumbing Inspection / Minor Fixes (1960 build)$500–$3,500
Estimated Total Budget Range $16,800 – $48,500

All repair estimates are rough ranges for budgeting purposes only. A licensed home inspector and contractor quotes should be obtained prior to purchase. Update with actual inspection findings.

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Information deemed reliable but not guaranteed. Square footage, lot size, year built, and all property details should be independently verified. This page is for informational purposes only and does not constitute an offer to sell. Robert Gonzales · PMZ Real Estate · DRE #02425173 · youragentrg.com