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538 N White Rd, San Jose, CA, 95127

5beds
4baths
2,369sqft
$781,000
$330price/sqft
$5,703/moest. monthly cost
$228,120/yrincome needed

About This Home

Auction Dates: 05-11-2026 OCCUPIED PROPERTY. Inspections and appraisals are not available. Property is being sold AS-IS, WHERE-IS, sight unseen. No For Sale sign will be posted. Do not disturb occupants. All contact with occupants is strictly prohibited. Listing is based on exterior inspection only. Interior condition is unknown and has not been observed by the seller or listing agent. Buyer is responsible for all investigations, including but not limited to verifying condition, habitability, permits, zoning, use, and the nature, extent, and cost of correcting any violations. No warranties or representations of any kind are made regarding the property. Buyer to rely solely on their own inspections, investigations, and due diligence. This sale is subject to a 5% or $2,500 minimum buyer's premium

Getting Around

63
WalkingSomewhat Walkable
43
TransitSome Transit
65
BikeBikeable

Schools

4/10
3/10
James Lick High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Other

Family Room

  • Features: Other

Heating & Cooling

  • Heating features: Other
  • Cooling features: None

Interior Area

  • Total structure area: 2,369
  • Total interior livable area: 2,369 sqft

Property

Details

  • Parcel number: 59904098
  • Zoning: R1
  • Special condition: Auction

Features

  • Stories: 1

Lot

  • Lot size: 0.20 sqft

Parking

  • Parking features: Common

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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High

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 $3,949$47,388
Home Insurance *$100$1,200
Property Taxes $1,146$13,752
Electricity $508$6,096
Total$5,703$68,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,531/yr
40% on housing$171,090/yr
45% on housing$152,080/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

$330This listing

vs Other Active Listings

Avg $/sqft

ZIP 95127$614
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95127$776
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)

No zestimate history available

Price History

DateEventPrice
2015-01-01Listing removed--
2014-11-08Price change$300,000
2014-11-04Listed for sale--
2014-09-05Listing removed--
2014-07-26Price change$300,000
2014-05-31Listed for sale$325,000
2008-08-19Sold$467,931
2008-01-25Listing removed$695,000
2007-12-01Listed for sale$695,000
2001-02-01Sold$340,000
2000-04-03Sold$250,000
2000-01-05Sold$82,000
1996-05-03Sold$175,000

Unknown Listed By

AgentBob Nastasi
BrokerageA to B Realty

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