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120 Saratoga Ave APT 75, Santa Clara, CA, 95051

2beds
2baths
950sqft
$629,000
$662price/sqft
$4,282/moest. monthly cost
$171,280/yrincome needed

About This Home

Rarely available ground-floor condo surrounded by tranquil ponds and lush landscaping. Enjoy the peaceful sound of the fountain from both the living room and your own outdoor patio. This stylish 2-bedroom, 2-bath home offers fresh interior paint, new carpet and laminate flooring, updated lighting throughout, and most appliances have been recently replaced. Tasteful finishes and a functional floor plan create a move-in ready opportunity. Residents enjoy resort-style amenities, including two swimming pools, spa, sauna, fitness center, clubhouse, and billiards room. Located in the desirable Vista Del Lago community, with convenient access to Apple, NVIDIA, major highways, Cupertino, San Jose, and Campbell. Ideal for first-time buyers, downsizers, or investors seeking comfort, convenience, and a peaceful setting.

Getting Around

78
WalkingVery Walkable
44
TransitSome Transit
81
BikeVery Bikeable

Schools

6/10
2/10
Monroe Middle SchoolGrades 6-81.9 mi
5/10
Del Mar High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Bathroom

  • Features: PrimaryStallShowers

Bedrooms & Bathrooms

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

Dining Room

  • Features: BreakfastNook

Family Room

  • Features: NoFamilyRoom

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 950
  • Total interior livable area: 950 sqft

Property

Details

  • Parcel number: 29453006
  • Zoning: PD
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Balcony/Patio

Lot

  • Lot size: 1,014 sqft

Parking

  • Total spaces: 2
  • Parking features: Covered
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Inland Flooding
    Inland FloodingRelatively 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 $3,180$38,160
Home Insurance *$35$420
Property Taxes $669$8,028
Electricity $398$4,786
Total$4,282$51,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,811/yr
40% on housing$128,460/yr
45% on housing$114,186/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

$662This listing

vs Other Active Listings

Avg $/sqft

ZIP 95051$846
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95051$1,381
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
2026-07-07Listed for sale$629,000

For Sale by Agent

AgentTeri Fortino
BrokerageCompass

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