1120 Locust St, San Jose, CA, 95110
About This Home
$103K price improvement! A rare opportunity to secure a low 3.625% rate, assumable FHA loan (buyer must qualify) and step into a versatile 2 unit property, each offering a well designed 2bed/1bath layout. This setup provides exceptional flexibility for multi-generational living, a live one/rent one approach, or added support for monthly housing costs. Opportunities with built in living flexibility are increasingly limited, making this home a standout option for both first time buyers and long term planners. Located near downtown San Jose, major employers, transit, parks, and everyday conveniences, this central corridor remains consistently desirable. Residents appreciate the walkability, nearby amenities, and quick access to shopping, dining, and commuter routes. Whether you're entering homeownership with added financial flexibility or seeking a property with longterm upside, this home delivers meaningful value in todays market especially with the advantage of a below market assumable rate.
Getting Around
Very Walkable
Good Transit
Very BikeableSchools
Construction
Condition
- Year built: 1955
Materials
- Foundation: Slab
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: EatinKitchen
Family Room
- Features: SeparateFamilyRoom
Features
- Door features: Other
- Flooring: Laminate
Heating & Cooling
- Heating features: Other
- Cooling features: None
Interior Area
- Total structure area: 1,474
- Total interior livable area: 1,474 sqft
Property
Accessibility
- Accessibility features: Other
Details
- Parcel number: 43406045
- Attached to another structure: Yes
- Zoning: R2
- Special condition: Standard
Features
- Stories: 1
Lot
- Lot size: 4,352 sqft
Parking
- Total spaces: 2
- Parking features: Attached,On Street,Other
- 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
- Inland Flooding
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Clara County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,050 | $60,600 |
| Home Insurance * | $120 | $1,440 |
| Property Taxes | $1,108 | $13,296 |
| Electricity | $398 | $4,786 |
| Total | $6,676 | $80,112 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $1,075,000 |
| 2026-03-27 | Listed for sale | $1,178,000 |
| 2025-05-19 | Listing removed | $2,900 |
| 2025-05-08 | Price change | $2,900 |
| 2025-04-02 | Listed for rent | $3,000 |
| 2022-08-02 | Listing removed | -- |
| 2022-07-07 | Price change | $2,800 |
| 2022-06-28 | Price change | $2,860 |
| 2022-06-20 | Price change | $2,950 |
| 2022-06-13 | Listed for rent | $3,050 |
| 2022-02-17 | Sold | $1,075,000 |
| 2022-01-16 | Contingent | $899,000 |
| 2022-01-05 | Listed for sale | $899,000 |
| 2021-12-28 | Contingent | $899,000 |
| 2021-12-13 | Listed for sale | $899,000 |
| 2021-11-10 | Listing removed | -- |
| 2021-10-09 | Price change | $2,100 |
| 2021-10-01 | Listed for rent | $2,150 |
| 2020-07-07 | Listing removed | $899,888 |
| 2020-04-01 | Price change | $899,888 |
| 2020-01-03 | Price change | $927,888 |
| 2019-08-29 | Price change | $988,888 |
| 2019-05-25 | Listed for sale | $998,000 |
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