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20246 Gist Rd, Los Gatos, CA, 95033

4beds
2baths
2,262sqft
$1,159,000
$512price/sqft
$7,941/moest. monthly cost
$317,640/yrincome needed

About This Home

Ideally located in the Los Gatos mountains just minutes from downtown, this home offers room to relax, work, and play, with easy access to parks and scenic trails. The kitchen includes a dedicated breakfast room and opens to a spacious living room anchored by a cozy wood stove and framed by views of the surrounding outdoor space. The upper level features two inviting bedrooms and a full bath. The lower level provides added flexibility with a family room, game room, full bath, two more bedrooms, laundry, and abundant storage. Outside, a hardscaped patio offers the perfect setting for gatherings or quiet evenings. Served by award-winning Los Gatos schools.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

9/10
10/10
Los Gatos High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1924

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: StallShower2plus, FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: SeparateFamilyRoom

Features

  • Flooring: Carpet,Laminate,Tile,Vinyl Linoleum
  • Number of fireplaces: 3
  • Fireplace features: Family Room,Living Room,Other,Wood Burning Stove

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,262
  • Total interior livable area: 2,262 sqft

Kitchen

  • Features: Countertop_Tile

Property

Details

  • Parcel number: 54423008
  • Zoning: HS-SR
  • Special condition: Standard

Lot

  • Lot size: 2.20 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached
  • 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

  • Landslide
    LandslideVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Landslide
Wildfire
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 $5,860$70,320
Home Insurance *$411$4,932
Property Taxes $1,185$14,220
Electricity $485$5,820
Total$7,941$95,292
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$272,262/yr
40% on housing$238,230/yr
45% on housing$211,760/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

$512This listing

vs Other Active Listings

Avg $/sqft

ZIP 95033$689
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95033$608
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
2026-05-08Price change$1,159,000
2026-04-09Price change$1,199,000
2026-03-09Price change$1,250,000
2026-01-16Listed for sale$1,349,000
1996-12-12Sold$340,000

For Sale by Agent

Agent Cole and Lister
BrokerageColdwell Banker Realty

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