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16460 Rustling Oak Ct, Morgan Hill, CA, 95037

4beds
3baths
2,674sqft
$1,598,088
$598price/sqft
$10,402/moest. monthly cost
$416,080/yrincome needed

About This Home

Sweeping hill & sunset views frame this stylish 4-bedroom, 2.5-bath home with an additional spacious bonus room and 3-car garage. Natural light fills the second-story through double-pane windows and bounces off the vaulted ceilings. Wood-like tile flooring, crown molding, recessed lighting, two fireplaces, accent the interior of the property. The top floor includes generous "nesting" space in the living room, family room, as and formal dining room. The updated kitchen features an informal dining alternative and includes a pantry, ample storage, and double ovens. Upstairs, the primary suite includes a walk-in closet with customized built-ins & a balcony with a view. The open floor plan flows seamlessly to an outdoor deck and expansive backyard. Downstairs, the versatile bonus room compliments three bedrooms and can serve as an office, hobby space, gym, or fifth bedroom in the home. The backyard, with a deck and gazebo, offers opportunities for entertaining, gardening, and year-round outdoor enjoyment. The home is conveniently located near the base of Jackson Oaks for quick access to the JOA pool & clubhouse as well as the aquatic center, Highway 101, shopping, and schools while still maintaining a private feel. Only two owners have occupied the home since it was built.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
2
BikeSomewhat Bikeable

Schools

8/10
Live Oak High SchoolGrades 9-122.3 mi
7/10

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Concrete Perimeter,Pillar/Post/Pier,Other,Crawl Space,Concrete Perimeter and Slab,Wood Frame
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven
  • Laundry features: Inside

Bathroom

  • Features: DoubleSinks, UpdatedBaths

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: EatinKitchen, FormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,Open Beam Ceiling
  • Flooring: Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Insert,Primary Bedroom,Wood Burning

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,674
  • Total interior livable area: 2,674 sqft

Kitchen

  • Features: Island, Skylights

Property

Details

  • Parcel number: 72908017
  • Zoning: RPC
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Gazebo,Drought Tolerant Plants

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Drought
Heat Wave
Wildfire

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 $8,080$96,960
Home Insurance *$230$2,760
Property Taxes $1,519$18,228
Electricity $573$6,880
Total$10,402$124,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$356,640/yr
40% on housing$312,060/yr
45% on housing$277,386/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

$598This listing

vs Other Active Listings

Avg $/sqft

ZIP 95037$646
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95037$666
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
2026-07-07Price change$1,598,088
2026-06-08Listed for sale$1,740,000

For Sale by Agent

AgentJessica Garcia-Kohl
BrokerageChristie's International Real Estate Sereno

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