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2598 Cottle Ave, San Jose, CA, 95125

3beds
3baths
2,142sqft
$3,490,000
$1,629price/sqft
$22,512/moest. monthly cost
$900,480/yrincome needed

About This Home

Rare opportunity for a highly coveted street in the prestigious GATES neighborhood of Willow Glen. This single-story home offers three bedrooms and 2.5 bathrooms across 2,142 sq.ft., situated on a 15,000+ sq. ft. corner lot. Enjoy two fireplaces anchoring the spacious living and family rooms w/ permitted kitchen remodel. Move in ready, also excellent opportunity to remodel and build a dream home. Fourth room adds a rare flexibility: use it as a bedroom, office, art studio or gym. Entertain in style in your backyard sanctuary featuring a complete outdoor kitchen, bar, and dedicated entertainment area. Ample Space for RV & boat. The oversized lot provides options for a future potential ADU with endless opportunities for customization and expansion. Ideal for individual buyer looking to remodel, or investor, looking for a coveted lot with two street entrances, Cottle & Koch, avenues. Brokers and broker's Agents do not represent or guarantee the accuracy of the square footage, permitted or unpermitted spaces, lot size/dimensions, or other information concerning the conditions or features of the property. All Buyers are advised to independently verify the accuracy of all information through the appropriate professionals to satisfy themselves and utilize only their own information.

Getting Around

52
WalkingSomewhat Walkable
33
TransitSome Transit
64
BikeBikeable

Schools

5/10
8/10
Willow Glen High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Slab,Crawl Space
  • Roof: Composition, Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Range Hood,Microwave,Built In Oven,Refrigerator,Washer/Dryer
  • Laundry features: In Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Wet Bar
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room

Heating & Cooling

  • Heating features: Fireplace(s),Other
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 2,142
  • Total interior livable area: 2,142 sqft

Kitchen

  • Features: Countertop_Marble, ExhaustFan, Island, Skylights

Property

Details

  • Parcel number: 43939018
  • Zoning: R1-8
  • Special condition: Standard

Features

  • Stories: 1
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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
    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 $17,647$211,764
Home Insurance *$314$3,768
Property Taxes $4,092$49,104
Electricity $459$5,511
Total$22,512$270,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$771,840/yr
40% on housing$675,360/yr
45% on housing$600,320/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

$1,629This listing

vs Other Active Listings

Avg $/sqft

ZIP 95125$798
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95125$1,133
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
2026-02-23Listed for sale$3,490,000

For Sale by Agent

AgentAsif Subedar
BrokerageCompass

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