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16001 Stephenie Ln, Los Gatos, CA, 95032

3beds
2baths
1,454sqft
$2,648,000
$1,821price/sqft
$17,166/moest. monthly cost
$686,640/yrincome needed

About This Home

Rare Opportunity in the Beautiful and Prestigious town of Los Gatos This classic fixer-upper sits on a spacious, highly desirable lot that offers incredible potential. Perfect for contractors, visionaries, or anyone ready to build their dream home from the ground up. Tear down or renovate to create a custom residence in one of Silicon Valleys most sought-after communities, surrounded by luxury homes and excellent schools in the Los Gatos Union School District. The true value here is the generous lot size and prime location a blank canvas in an elite neighborhood where land opportunities are increasingly scarce.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

10/10
10/10
Los Gatos High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: SeparateFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,454
  • Total interior livable area: 1,454 sqft

Property

Details

  • Parcel number: 52326005
  • Zoning: R18
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 0.27 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
    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 $13,389$160,668
Home Insurance *$233$2,796
Property Taxes $3,146$37,752
Electricity $398$4,786
Total$17,166$205,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$588,548/yr
40% on housing$514,980/yr
45% on housing$457,760/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

$1,821This listing

vs Other Active Listings

Avg $/sqft

ZIP 95032$1,093
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95032$1,285
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
2026-04-22Listed for sale$2,700,000
2026-04-07Pending sale$2,700,000
2026-03-26Listed for sale$2,700,000

For Sale by Agent

Agent Ralph & Rachel
BrokerageCompass

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