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324 Catalpa St APT 120, San Mateo, CA, 94401

1beds
1baths
640sqft
$439,000
$686price/sqft
$3,217/moest. monthly cost
$128,680/yrincome needed

About This Home

Within desirable 55+ community, beautifully detailed ground floor end unit with 1 bedroom & 1 full bath. 640 sq.ft. Secure building with entrances from Catalpa St & Tilton. The building also has video surveillance. Convenient, spacious storage room inside the unit. Granite kitchen counter, new refrigerator & dishwasher. Bathroom is en-suite & accessible from living area. This unit located further away from the rail track. Conveniently located at the end of B Street offering easy access to downtown amenities including shops, restaurants, cinema and stores. There are two community lounge areas, community kitchen and large community patio. Coin operated laundry

Getting Around

96
WalkingWalker's Paradise
51
TransitGood Transit
80
BikeVery Bikeable

Schools

8/10
Borel Middle SchoolGrades 6-81.4 mi
9/10
San Mateo High SchoolGrades 9-120.6 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1983

Materials

  • Roof: Other
  • Construction materials: Siding - Other

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Free-Standing Range,Refrigerator
  • Laundry features: Coin Operated

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Elevator,Counter - Solid Surface
  • Window features: Double Pane Windows
  • Flooring: Tile,Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Other
  • Cooling features: None

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Kitchen

  • Features: 220 Volt Outlet,Counter - Solid Surface,Dishwasher,Microwave,Range/Oven Free Standing,Refrigerator

Property

Details

  • Parcel number: 108520180
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.63 Acres
  • Features: Level

Parking

  • Parking features: None

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
    EarthquakeRelatively High

How This Home’s Risks Compare

Earthquake

FEMA Declared Disasters in San Mateo 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 $2,219$26,628
Home Insurance *$46$552
Property Taxes $554$6,648
Electricity $398$4,786
Total$3,217$38,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,297/yr
40% on housing$96,510/yr
45% on housing$85,786/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: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$686This listing

vs Other Active Listings

Avg $/sqft

ZIP 94401$510
San Mateo County$915

vs Homes Sold Last Month

Median $/sqft

ZIP 94401$1,084
San Mateo County$1,106

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
2026-07-28Listed for sale$439,000
2017-11-03Sold$365,000
2017-10-06Pending sale$355,000
2017-09-30Listed for sale$355,000
2008-02-29Sold$335,000

For Sale by Agent

AgentHelen Duncan
BrokerageBetter Homes And Gardens Rp

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