See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1395 3rd St, Gilroy, CA, 95020

4beds
3baths
2,268sqft
$1,099,999
$485price/sqft
$7,370/moest. monthly cost
$294,800/yrincome needed

About This Home

Welcome to 1395 3rd St in Gilroy, CA! This spacious 4-bedroom, 3-bathroom two-story home features a versatile floor plan with a soaring entryway and abundant natural light. The updated kitchen offers quartzite countertops, subway tile backsplash, stainless steel appliances, and a breakfast bar open to the family room and informal dining area. Enjoy both formal living and dining spaces, plus a cozy fireplace and easy access to a private backyard—perfect for entertaining. A downstairs bedroom with private yard access is ideal for guests or multi-generational living. Upstairs, the expansive primary suite features double-door entry and an ensuite bathroom. Located in a well-established neighborhood near downtown Gilroy, shopping, dining, and commuter routes. Don’t miss this opportunity!

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

3/10
5/10
Brownell Middle SchoolGrades 6-81.1 mi
5/10
Gilroy High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1988

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Dishwasher,Electric Cooktop,Freezer,Disposal,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Washer Hookup,Inside,Laundry Closet,Upper Level

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),High Ceilings,Bedroom on Main Level,Primary Suite
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,268 sqft

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 80837038
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front door
  • Pool features: None
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 5,820 sqft
  • Features: Back Yard,Front Yard,Rectangular Lot,Sprinkler System,Yard

Parking

  • Total spaces: 4
  • Parking features: Concrete,Direct Access,Door-Single,Driveway,Driveway Up Slope From Street,Garage Faces Front,Garage,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Drought
Heat Wave
Landslide
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 $5,562$66,744
Home Insurance *$191$2,292
Property Taxes $1,131$13,572
Electricity $486$5,836
Total$7,370$88,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,685/yr
40% on housing$221,100/yr
45% on housing$196,533/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

$485This listing

vs Other Active Listings

Avg $/sqft

ZIP 95020$539
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95020$508
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
2026-05-02Listed for sale$1,099,999
2018-05-25Sold$785,000
2018-04-22Pending sale$789,900
2018-04-10Listed for sale$789,900
2018-03-27Pending sale$789,900
2018-03-16Price change$789,900
2018-02-10Listed for sale$799,000
2017-12-14Sold$595,000
2017-11-17Listed for sale$650,000
2001-03-02Sold$495,000
1998-06-17Sold$315,000

For Sale by Agent

AgentChristopher Cahill
BrokerageLPT Realty, Inc

Similar Homes