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342-344 Raymond Ave, San Jose, CA, 95128

3beds
2baths
1,512sqft
$1,000,000
$661price/sqft
$6,867/moest. monthly cost
$274,680/yrincome needed

About This Home

WEST SAN CARLOS DUPLEX, PHENOMENAL INVESTMENT! This 2-level duplex is 5 minutes away from Santana Row and Rose Garden presents an outstanding opportunity for investors and owner-occupants alike. With both units delivered vacant, you have the flexibility to move in while generating rental income or maximize returns as a full investment property. Spanning approximately 1,512 sq ft, the duplex comprises two independent 750 sq ft units. Unit 342 offers a 2-bedroom, 1-bathroom layout with high ceiling, laminate flooring, and wood paneling. Unit 344 features a bright, open-concept 1-bedroom, 1-bathroom floor plan with a breakfast bar pass-through into the living room. The huge and open level lot also offers potential for an ADU, providing added value and future possibilities. Located in one of San Jose's most sought-after neighborhoods, this property provides easy access to Rose Garden, SAP Center, Trader Joe's, Target, Diridon Station, Santana Row shopping, and dining. Don't miss this incredible opportunity!

Getting Around

84
WalkingVery Walkable
47
TransitSome Transit
72
BikeVery Bikeable

Schools

5/10
Del Mar High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Residential Income

Interior

Appliances

  • Appliances included: Gas Cooktop,Disposal,Range Hood,Built In Oven,Electric Oven,Gas Oven/Range,Refrigerator,Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • High Ceilings
  • Door features: None
  • Window features: Other
  • Flooring: Laminate,Tile,Vinyl Linoleum

Heating & Cooling

  • Heating features: Gas,Wall Furnace
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,512
  • Total interior livable area: 1,512 sqft

Kitchen

  • Features: Countertop_Laminate

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 27709023
  • Zoning: R1-N2
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 4,000 sqft
  • Features: Regular

Parking

  • Total spaces: 4
  • Parking features: Attached,Common,On Street,Parking Area
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: Yes

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

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in Santa Clara 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 $5,056$60,672
Home Insurance *$86$1,032
Property Taxes $1,327$15,924
Electricity $398$4,786
Total$6,867$82,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,440/yr
40% on housing$206,010/yr
45% on housing$183,120/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$661This listing

vs Other Active Listings

Avg $/sqft

ZIP 95128$655
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95128$1,090
Santa Clara County$1,052

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
2026-07-15Listed for sale$1,000,000
2003-11-14Sold$465,000
2002-10-16Sold$425,000
1999-03-17Sold$265,000
1994-03-02Sold$166,500

For Sale by Agent

AgentJohn Tran
BrokerageKW Elevate

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