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21430 Bertram Rd, San Jose, CA, 95120

2beds
1baths
900sqft
$949,000
$1,054price/sqft
$6,337/moest. monthly cost
$253,480/yrincome needed

About This Home

UNIIQUE OPPORTUNITY! A SINGLE FAMILY WITH NO HOA FEE & ALMADEN SCHOOLS UNDER $1M!!! Just Minutes From City-Life, Enjoy All The Top-Rated Almaden Schools & Country Living On A Quarter-Acre Lot In The Trees. This Historic New Almaden Neighborhood Gives You Small Town Community Feeling With City Convenience Just Minutes Away. Get To Know Your Neighbors At The Community Club Which Hosts Celebrations & Events Throughout The Year! This Charming Cottage Sits Back Off The Road & Has A Kitchen w/ Gas Stove, Large Family Room & Fireplace, Nest Smart Thermostat, Updated Bathroom & Tesla EV Charger. New Paint Throughout Interior, New Light Fixtures, New Blinds, New LVP Flooring In Kitchen & Bathroom. Copper Pipes, Newer Roof & Water Heater, Upgraded Electrical. Plenty Of Room For Parking Multiple/Large Vehicles. Located Near The Famous La Foret Restaurant. Enjoy Nearby Hiking, Almaden Quicksilver Park, Alamitos Vineyards Winery & More! A Very Rare & Special Opportunity For Homeowners Or Investors!

Getting Around

12
WalkingCar-Dependent
0
TransitNo Nearby Transit
5
BikeSomewhat Bikeable

Schools

9/10
8/10
Bret Harte Middle SchoolGrades 6-82.8 mi
10/10
Leland High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 1932

Materials

  • Foundation: Other
  • Roof: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Oven,Refrigerator

Bathroom

  • Features: ShowerandTub

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 900
  • Total interior livable area: 900 sqft

Property

Details

  • Parcel number: 58318031
  • Zoning: RR-H1
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 0.25 Acres

Parking

  • Parking features: Parking Area,Oversized

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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire
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 $4,798$57,576
Home Insurance *$89$1,068
Property Taxes $1,052$12,624
Electricity $398$4,786
Total$6,337$76,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,268/yr
40% on housing$190,110/yr
45% on housing$168,986/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

$1,054This listing

vs Other Active Listings

Avg $/sqft

ZIP 95120$890
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95120$997
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
2026-05-14Price change$979,000
2026-04-07Listed for sale$989,000

For Sale by Agent

AgentJessa Walsh
BrokerageReach Real Estate

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