194 4th St, Gilroy, CA, 95020
About This Home
Rare Victorian single story home with two fully remodeled units. Both units A & B are included with the sale and are 1,132 sqft each sharing a backyard space. Open concept layout with jaw dropping kitchens, bathrooms, and luxury finishes throughout! Live in one while renting out the second unit to offset your mortgage, or enjoy the additional space with enough room for growing families! One block away from the trendy downtown Gilroy, walking distance to shops, restaurants, parks and minutes away from the famous Outlets for anyone that enjoys shopping! Unicorn properties like these offer tons of potential for anyone looking to grow equity or add cash flow to your current portfolio. Complete hidden gem, move-in ready with market potential to rent out at $3500 per unit in a neighborhood that is constantly evolving! Not a property you want to miss.
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Other
- Roof: Other
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Laundry features: Inside
Bathroom
- Features: UpdatedBaths
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: NoFormalDiningRoom
Family Room
- Features: KitchenFamilyRoomCombo
Heating & Cooling
- Heating features: Other
- Cooling features: Other
Interior Area
- Total structure area: 2,264
- Total interior livable area: 2,264 sqft
Property
Details
- Parcel number: 79906039
- Zoning: R3
- Special condition: Standard
Features
- Stories: 1
Lot
- Lot size: 7,777 sqft
Parking
- Total spaces: 4
- Parking features: Detached
- 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
- Inland Flooding
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Clara County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,815 | $69,780 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $1,209 | $14,508 |
| Electricity | $485 | $5,825 |
| Total | $7,709 | $92,508 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Price change | $1,099,999 |
| 2026-07-03 | Listed for sale | $1,149,999 |
| 1997-11-25 | Sold | $139,000 |
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