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1804 Derby St, Berkeley, CA, 94703

4beds
2baths
1,680sqft
$825,000
$491price/sqft
$5,244/moest. monthly cost
$209,760/yrincome needed

About This Home

1804 - 1806 Derby St. is a prime 2 bedroom, 1-bath duplex that offers excellent investment potential or an ideal live-in-one, rent the other out. Very spacious duplex with identical floorplans. Perfectly blending classic charm with versatile living, it is a rare opportunity to own a steady-income property in a highly desireable and walkable neighborhood. The Ashby BART station is about a 4 min. bike ride away & about a 15 min. walk. Unit 1804 has a long term tenant. It has a fairly new central heating system, new paint, carpets, blinds, ceiling fans, a new gas stove & range hood. Unit 1806 is vacant and recently upgraded with new carpet, paint, blinds, ceiling fans, bathroom vanity lighting, a new gas stove with a built-in microwave rangehood. Both units have Jack & Jill bathrooms. Both front and back yard areas have recently been beautifully re-landscaped to reduce maintenance. Backyard shared deck, porches & fencing have been repainted. BESO Home Energy Score of 8 out of 10 for both units. Sewer Lateral Certificate issued. A Home & Termite inspection report to be completed on 8/10/26.

Getting Around

87
WalkingVery Walkable
67
TransitGood Transit
96
BikeBiker's Paradise

Schools

8/10
10/10
Willard Middle SchoolGrades 6-80.8 mi
9/10
Berkeley High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1906

Materials

  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: No Hookups

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Tub w/Shower Over
  • Flooring: Partial Carpeting,Tile

Heating & Cooling

  • Heating features: Wall Furnace,Central
  • Cooling features: No Air Conditioning

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Property

Details

  • Parcel number: 54172721
  • Zoning: DUPL
  • Special condition: Successor Trustee Sale

Features

  • Exterior features: Back Yard,Front Yard,Entry Gate,Landscape Back,Landscape Front,Low Maintenance,Yard Space,Garden
  • Fencing: Fenced

Lot

  • Lot size: 3,484 sqft
  • Features: Back Yard,Front Yard

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in Alameda County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
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 $4,171$50,052
Home Insurance *$153$1,836
Property Taxes $522$6,264
Electricity $398$4,786
Total$5,244$62,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,794/yr
40% on housing$157,320/yr
45% on housing$139,840/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$491This listing

vs Other Active Listings

Avg $/sqft

ZIP 94703$513
Alameda County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 94703$822
Alameda County$664

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
2026-07-02Price change$825,000
2026-05-31Listed for sale$975,000

For Sale by Agent

AgentElizabeth Thomas
BrokerageElizabeth R. Thomas Real Estate

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