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20843 Chester St, Castro Valley, CA, 94546

3beds
2baths
1,590sqft
$1,409,800
$887price/sqft
$9,577/moest. monthly cost
$383,080/yrincome needed

About This Home

Sharp Duplex, quiet downtown location, large lot approximately 11,084 square feet. Tremendous Potential Upside. Per Alameda County Planner this lot can potentially have 5 Accessory Dwelling Units added. Plus commercial retail building next door is also for sale. One unit is two bedrooms 1 bath. The second unit is 1 bedroom 1bath. Approximately 1,590 square feet of living area. Property is nicely landscaped. It has a detached two car garage and storage improvements. It is walking distance to elementary school and high school, many shops, restaurants, BART and Public Transportation. Perfect for Owner Occupied Buyer and/or Investor. Act today on this rare property!

Getting Around

88
WalkingVery Walkable
42
TransitSome Transit
68
BikeBikeable

Schools

10/10
Creekside Middle SchoolGrades 6-81.2 mi
9/10
Castro Valley High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1949

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family,Duplex

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Water Heater
  • Laundry features: Laundry Room,Washer/Dryer Hookups,Inside

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Tub w/Shower Over
  • Window features: Window Coverings
  • Flooring: Laminate,Carpet

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,590
  • Total interior livable area: 1,590 sqft

Property

Details

  • Parcel number: 84A3762
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Patio & porch: Porch
  • Exterior features: Garden/Play,Storage
  • Fencing: Partial Fence,Fenced,Partial,Wood
  • Has view: Yes
  • View description: Downtown

Lot

  • Lot size: 0.25 Acres
  • Features: Cul-De-Sac,Level,Premium Lot,Front Yard,Landscaped,Paved,Yard Space

Parking

  • Total spaces: 6
  • Parking features: Detached,Off Street,Garage Faces Front,On Street
  • Has garage: Yes
  • 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
    EarthquakeRelatively 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 $7,128$85,536
Home Insurance *$218$2,616
Property Taxes $1,833$21,996
Electricity $398$4,786
Total$9,577$114,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$328,354/yr
40% on housing$287,310/yr
45% on housing$255,386/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

$887This listing

vs Other Active Listings

Avg $/sqft

ZIP 94546$521
Alameda County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 94546$669
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
2026-07-25Listed for sale$1,409,800

For Sale by Agent

AgentDavid Wilhite
BrokerageVetted Real Estate

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