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226 San Mateo Ave, Los Gatos, CA, 95030

4beds
4baths
2,103sqft
$2,849,900
$1,355price/sqft
$18,271/moest. monthly cost
$730,840/yrincome needed

About This Home

HIGHLY MOTIVATED SELLER! BRING OFFERS! Steps from downtown Los Gatos dining, boutique shopping, cafes, minutes from Vasona Park, this home offers a walkable lifestyle within the highly rated LG school district. The home features great curb appeal w/ beautiful landscaping, a wide pavered driveway, & hill views. The property offers approximately 2,103 SqFt of usable living space. The main residence spans approximately 1,562 SqFt w/ 3 bedrooms & 3 bathrooms, remodeled over the years. The living room is warm & inviting w/ an electric fireplace, recessed lighting, & double pane windows. The kitchen & dining area form the heart of the home w/ granite countertops, recessed lighting, & smart storage including two Lazy Susans. The primary suite opens to a private patio, & sun tunnels brighten the hallway w/ natural light. Leased solar adds energy efficiency & long term value. The approved detached cottage includes 1 BD, 1 full bath, & private laundry, generating strong rental income & creating a flexible 4 bedroom, 4 bathroom layout ideal for guests, multi generational living, or income potential. The garage offers ample storage & an EV charger, & the backyard feels expansive & private for a downtown location, complete w/ a built in covered seating area for outdoor entertaining.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
83
BikeVery Bikeable

Schools

10/10
10/10
Los Gatos High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition, Shingle

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: Other

Features

  • Fireplace features: Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 2,103
  • Total interior livable area: 2,103 sqft

Property

Details

  • Parcel number: 41014020
  • Zoning: R18
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 6,193 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage Door Opener
  • 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

  • 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 $14,410$172,920
Home Insurance *$287$3,444
Property Taxes $3,124$37,488
Electricity $450$5,411
Total$18,271$219,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$626,434/yr
40% on housing$548,130/yr
45% on housing$487,226/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

$1,355This listing

vs Other Active Listings

Avg $/sqft

ZIP 95030$1,332
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95030$1,383
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
2026-03-04Listed for sale$2,849,900
2010-01-14Listing removed$1,099,950
2009-07-20Listed for sale$1,099,950
2008-12-21Listing removed$1,295,000
2008-11-09Listed for sale$1,295,000
1997-01-02Sold$400,000

For Sale by Agent

Agent Chandani Group
BrokerageCompass

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