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2238 Central Way, San Jose, CA, 95128

2beds
1baths
986sqft
$1,228,000
$1,245price/sqft
$8,337/moest. monthly cost
$333,480/yrincome needed

About This Home

Charming Fruitdale home with spacious lot, bonus space, and prime Silicon Valley location! Nestled in the desirable Fruitdale neighborhood with Campbell schools, this well-maintained 2-bedroom, 1-bath home is filled with warmth and character. The home features updated flooring, a modern kitchen, and refreshed bathrooms, creating a comfortable and move-in-ready living space. Additional upgrades include copper plumbing and modern lighting, offering both style and peace of mind. Situated on a spacious lot, the expansive backyard provides excellent flexibility for outdoor living and future possibilities. A detached garage with bonus space offers great potential for a home office, gym, or possible rental use. Conveniently located near Santana Row, Valley Fair, San Jose City College and major commuter routes including Hwy 280/880, with easy access to shopping, dining, and Silicon Valley tech campuses. Don't miss this perfect opportunity for first-time buyers or investors!

Getting Around

50
WalkingCar-Dependent
48
TransitSome Transit
61
BikeBikeable

Schools

6/10
2/10
Monroe Middle SchoolGrades 6-80.9 mi
5/10
Del Mar High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Crawl Space,Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea, EatinKitchen

Family Room

  • Features: NoFamilyRoom

Heating & Cooling

  • Heating features: Gas
  • Cooling features: None

Interior Area

  • Total structure area: 986
  • Total interior livable area: 986 sqft

Property

Details

  • Parcel number: 28201011
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 5,250 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached,On Street
  • 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
    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 $6,209$74,508
Home Insurance *$105$1,260
Property Taxes $1,625$19,500
Electricity $398$4,786
Total$8,337$100,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$285,840/yr
40% on housing$250,110/yr
45% on housing$222,320/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

$1,245This listing

vs Other Active Listings

Avg $/sqft

ZIP 95128$653
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)

No zestimate history available

Price History

DateEventPrice
2026-05-07Listed for sale$1,228,000
2022-07-19Listing removed--
2022-06-03Listed for sale$1,100,000

For Sale by Agent

AgentMimi Quach
BrokerageLPT Realty

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