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15220 Upper Ellen Rd, Los Gatos, CA, 95033

4beds
3baths
3,798sqft
$1,998,000
$526price/sqft
$13,459/moest. monthly cost
$538,360/yrincome needed

About This Home

GATED COMMUNITY | HUGE VIEWS LEAVE GUESTS SPEECHLESS | FORTIFIED FOR MTN. LIVING A perfect retreat home! For people who like to be social with their neighbors, or, enjoy the serene privacy above the tree tops. Imagine seeing inspirational, sweeping views from most of your living spaces. When the seller's weren't commuting to Mtn. View 3x's/week along the mtn. backroads or lounging at home, they loved; swimming & dining at the Trout Farm Inn, the Felton Farmer's Market, shopping in Downtown LG. But among their favorite experiences? Finishing work on a Friday and heading to the beach with the pups, just 15.5mi. to Santa Cruz. Work from home is easy with 2 separate offices plus great internet. Simplicity with the Primary suite & 1 bdrm on the ground floor. Wood paneled Family Rm could be an elegant Dining Rm. or Library! Fenced backyard has easy maintenance fake-grass, you can exercise in the resistance pool, or soak in the hot tub enjoying big views. Addt'l sunset & star gazing deck (get your telescope ready!) is outfitted with power. Important infrastructure: Solar offsets energy cost, battery storage, whole house backup gen., UV water system & private water, mini-splits for zoned heat / cooling, EV charger. Lrg. outbuilding. Amazon, FedEx, UPS, and Grubhub/Doordash friendly.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

9/10
10/10
Los Gatos High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Raised,Concrete Perimeter and Slab
  • Roof: Composition, Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Built In Oven/Range,Refrigerator,Trash Compactor
  • Laundry features: Inside

Bathroom

  • Features: DoubleSinks, PrimaryStallShowers, StallShower2plus, FullonGroundFloor, PrimaryOversizedTub

Bedroom

  • Features: WalkinCloset, PrimaryBedroomonGroundFloor, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: DiningAreainLivingRoom, Skylights

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Vaulted Ceiling(s)
  • Flooring: Carpet,Hardwood,Slate
  • Number of fireplaces: 3
  • Fireplace features: Living Room,Primary Bedroom,Other Location,Wood Burning

Heating & Cooling

  • Heating features: Fireplace(s),Individual Room Controls
  • Cooling features: Zoned

Interior Area

  • Total structure area: 3,798
  • Total interior livable area: 3,798 sqft

Kitchen

  • Features: Countertop_Granite, ExhaustFan

Property

Details

  • Parcel number: 09114151000
  • Zoning: SU
  • Special condition: Standard

Features

  • Pool features: Above Ground,Pool Cover,Pool/Spa Combo
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Back Yard,Barbecue,Fenced,Storage Shed Structure
  • Spa features: Cover,Pool/SpaCombo
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 6.36 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached,Electric Vehicle Charging Station(s)
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Landslide
    LandslideVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Landslide
Wildfire
Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 $10,102$121,224
Home Insurance *$709$8,508
Property Taxes $1,834$22,008
Electricity $814$9,773
Total$13,459$161,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$461,451/yr
40% on housing$403,770/yr
45% on housing$358,906/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$526This listing

vs Other Active Listings

Avg $/sqft

ZIP 95033$689
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95033$608
Santa Cruz County$663

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
2026-04-25Price change$1,998,000
2026-02-20Listed for sale$2,150,000
2021-07-30Sold$1,900,000
2021-06-16Contingent$1,950,000
2021-05-27Listed for sale$1,950,000
2007-01-18Sold$800,000
2004-06-10Sold$890,000

For Sale by Agent

AgentPaula L Leary
BrokerageGolden Gate Sotheby's International Realty

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