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18922 Congress Junction Ct, Saratoga, CA, 95070

5beds
3baths
3,139sqft
$4,888,000
$1,557price/sqft
$30,791/moest. monthly cost
$1,231,640/yrincome needed

About This Home

Where Luxury Meets Convenience. Experience refined living in this beautifully remodeled two-story high vaulted ceiling home, perfectly situated on a quiet cul-de-sac within the highly sought-after Saratoga School District. Designed for those who appreciate privacy, elegance, and everyday convenience, this exceptional residence truly has it all. Rich Galaxy European Oak hardwood flooring flows throughout the home, while a dual-zone HVAC system provides year-round comfort. At the heart of the home is a stunning chef's kitchen featuring a built-in newly installed Thermador refrigerator & premium Miele appliances, a spacious center island, and a charming garden window that fills the space with natural light. The luxurious primary suite is a private sanctuary, complete with two walk-in closets and a spa-inspired bathroom featuring a double-sink vanity, freestanding soaking tub, oversized walk-in shower, and two private walk in closet. A desirable ground-floor bedroom and full bathroom offer the perfect space for guests, multigenerational living, or aging family members. Two 240V Outlets in the Garage. Whether you're raising a family in one of Silicon Valley's top-rated school districts, accommodating multiple generations, great size park within the neighborhood.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

9/10
9/10
Redwood Middle SchoolGrades 6-81.0 mi
10/10
Saratoga High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Slab
  • Roof: Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven/Range

Bathroom

  • Features: FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: DiningArea, DiningAreainLivingRoom

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • Flooring: Carpet,Hardwood
  • Fireplace features: Family Room,Living Room,Primary Bedroom

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 3,139
  • Total interior livable area: 3,139 sqft

Property

Details

  • Parcel number: 38945023
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 6,944 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 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 $24,716$296,592
Home Insurance *$306$3,672
Property Taxes $5,096$61,152
Electricity $673$8,077
Total$30,791$369,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,055,691/yr
40% on housing$923,730/yr
45% on housing$821,093/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

$1,557This listing

vs Other Active Listings

Avg $/sqft

ZIP 95070$1,354
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95070$1,601
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
2026-08-02Listed for sale$4,888,000
2025-03-25Sold$4,700,000
2025-02-21Pending sale$4,380,000
2025-02-12Listed for sale$4,380,000
2024-10-09Listing removed$8,750
2024-08-27Price change$8,750
2024-08-03Listed for rent$9,200
2024-08-02Listing removed--
2024-06-21Price change$9,300
2024-05-07Listed for rent$9,500
2020-11-23Listing removed$7,000
2020-11-10Listed for rent$7,000
2018-10-07Listing removed$6,750
2018-09-28Listed for rent$6,750
1999-03-31Sold$1,249,000
1999-01-23Sold$1,249,000
1997-04-25Sold$814,000

For Sale by Agent

AgentBruce Lai
BrokerageColdwell Banker Realty

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