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4303 Alum Rock Ave, San Jose, CA, 95127

2beds
2baths
1,140sqft
$869,000
$762price/sqft
$5,991/moest. monthly cost
$239,640/yrincome needed

About This Home

Price Improvement! Section 1 termite work has been completed and clearance is available. Don't miss this opportunity! Affordable detached living in San Jose with no HOA! Skip the HOA fees and enjoy the benefits of detached homeownership at an attainable price point. This 1979, 2-bedroom, 2-bath home offers approximately 1,140 sq. ft. of living space and is perfect for buyers who want to live and work in the Bay Area while enjoying an easier commute and remaining close to everything Silicon Valley has to offer. Property inspections and disclosures are available for review so buyers can move forward with confidence. The kitchen features solid oak cabinetry. The spacious attached garage offers additional storage space for tools, hobbies, and seasonal items, while the gated front entry provides privacy and security. Backyard is ideal for relaxing or entertaining and features a stamped concrete patio, covered gazebo with ceiling fan, mature fruit trees including red apple, green apple, persimmon, and two lemon trees, plus a storage shed that is included with the property. Recent improvements include a water heater replacement in 2025. Worth another look! Home is ready for its next owner to make it their own.

Getting Around

78
WalkingVery Walkable
48
TransitSome Transit
61
BikeBikeable

Schools

3/10
4/10
3/10
James Lick High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Crawl Space
  • Roof: Composition, Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal

Bathroom

  • Features: UpdatedBaths

Bedrooms & Bathrooms

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

Dining Room

  • Features: Skylights

Family Room

  • Features: SeparateFamilyRoom

Features

  • Flooring: Hardwood,Vinyl Linoleum

Heating & Cooling

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

Interior Area

  • Total structure area: 1,140
  • Total interior livable area: 1,140 sqft

Property

Details

  • Parcel number: 60110047
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 1
  • Exterior features: Gazebo,Storage Shed Structure
  • Fencing: Front Yard,Gate,Other

Lot

  • Lot size: 5,000 sqft

Parking

  • Total spaces: 4
  • Parking features: On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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

How This Home’s Risks Compare

Earthquake
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 $4,394$52,728
Home Insurance *$111$1,332
Property Taxes $1,088$13,056
Electricity $398$4,786
Total$5,991$71,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,405/yr
40% on housing$179,730/yr
45% on housing$159,760/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

$762This listing

vs Other Active Listings

Avg $/sqft

ZIP 95127$612
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
2026-08-14Pending sale$869,000
2026-07-17Price change$869,000
2026-05-31Listed for sale$879,000
2014-10-23Sold$399,000

For Sale by Agent

AgentLupe Lucero
BrokerageGuadalupe Lucero Real Estate

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