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16640 Los Banos St, San Leandro, CA, 94578

5beds
4baths
1,425sqft
$1,050,000
$737price/sqft
$7,027/moest. monthly cost
$281,080/yrincome needed

About This Home

More than just a house, this spacious and move-in ready 7500-sf Ashland estate home PLUS 2 ADUs (365+216sf) for your guests has views and room to grow! FULLY ASSUMABLE VA LOAN $497K@ 2.5% saves $1150/Month! The 3 bedroom 1.5 bath 1425sf main home is updated for energy efficient luxury while keeping mid century charm- PPA solar, LED lighting, tankless water heater, EV hookup keeps energy costs down. A dine-in kitchen features quartz countertops, new cabinets, stainless appliances, and walk-in pantry. Main bath has a full tub and sits adjacent to a Laundry/dressing room with washer, dryer and ample closet space. The loft bedroom has a half bath and access to a rooftop balcony with views of the garden and East Bay. ADU studios, 365 sf and 216 sf each have full baths, kitchenettes and mini-split HVAC for cozy and comfortable living. Manicured, drought-tolerant and sustainable landscaping starts with a rock garden framing the front walk. The 3-car tandem driveway has an EV charger hookup. The gated lower patio flexes as extra parking or a comfortable place to relax around a fire pit, while the upper lawn and patio, lined with roses, succulents mature fruit trees and comes with two garden sheds. The top-most 1400+ sf vista terrace is undeveloped for your future garden plans.

Getting Around

65
WalkingSomewhat Walkable
40
TransitSome Transit
29
BikeSomewhat Bikeable

Schools

2/10
1/10
Edendale Middle SchoolGrades 6-80.6 mi
3/10
San Lorenzo High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range Hood,Ice Maker,Microwave,Gas Oven/Range,Refrigerator,Washer/Dryer

Bathroom

  • Features: ShoweroverTub1, FullonGroundFloor

Bedroom

  • Features: LoftBedroom, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea, EatinKitchen

Family Room

  • Features: SeparateFamilyRoom

Features

  • Walk-In Closet(s),Security Gate
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Ceiling Fan(s),Zoned,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,425
  • Total interior livable area: 1,425 sqft

Property

Details

  • Parcel number: 080008001802
  • Zoning: R-1
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio
  • Exterior features: Back Yard,Storage Shed Structure,Drought Tolerant Plants
  • Fencing: Wood
  • Has view: Yes
  • View description: Other

Lot

  • Lot size: 7,500 sqft
  • Features: Gentle Sloping

Parking

  • Total spaces: 3
  • Parking features: Off Street,Tandem

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 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 $5,309$63,708
Home Insurance *$176$2,112
Property Taxes $1,144$13,728
Electricity $398$4,786
Total$7,027$84,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$240,925/yr
40% on housing$210,810/yr
45% on housing$187,386/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: 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

$737This listing

vs Other Active Listings

Avg $/sqft

ZIP 94578$378
Alameda County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 94578$564
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)

Price History

DateEventPrice
2026-08-15Price change$997,000
2026-07-24Listed for sale$1,050,000
2017-08-03Sold$600,000
2017-07-01Pending sale$582,000
2017-06-28Listed for sale$582,000
2017-06-27Pending sale$582,000
2017-06-17Listed for sale$582,000
2010-11-17Sold$245,000
2010-08-22Listed for sale$245,000
2010-08-09Sold$157,400
1998-06-12Sold$162,500

For Sale by Agent

AgentPhil Roza
BrokerageeXp Realty of California Inc

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