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1004 Vermont St, San Jose, CA, 95126

2beds
1baths
940sqft
$999,800
$1,064price/sqft
$6,118/moest. monthly cost
$244,720/yrincome needed

About This Home

Investors and builder's gem! The possibilities are grand. Corner property. Zoned R2. Surrounded by multi-unit properties.

Getting Around

58
WalkingSomewhat Walkable
49
TransitSome Transit
69
BikeBikeable

Schools

4/10
7/10

Construction

Condition

  • Year built: 1916

Materials

  • Foundation: Other
  • Roof: Other

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Fireplace features: Living Room

Heating & Cooling

  • Heating features: Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 940
  • Total interior livable area: 940 sqft

Property

Details

  • Parcel number: 23042085
  • Zoning: R2
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 5,000 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $5,055$60,660
Home Insurance *$99$1,188
Property Taxes $566$6,792
Electricity $398$4,786
Total$6,118$73,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,760/yr
40% on housing$183,540/yr
45% on housing$163,146/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

$1,064This listing

vs Other Active Listings

Avg $/sqft

ZIP 95126$637
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95126$988
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$999,800
2026-07-17Listed for sale$999,800

For Sale by Agent

AgentSamera H. King
BrokerageCentury 21 Masters

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