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

20048 Sapphire St, Castro Valley, CA, 94546

3beds
2baths
1,596sqft
$899,000
$563price/sqft
$6,620/moest. monthly cost
$264,800/yrincome needed

About This Home

Welcome to 20048 Sapphire St. in the heart of desirable Castro Valley! Offered for the first time ever, this charming single-story home is full of opportunity and ready for its next chapter. Featuring 3 bedrooms, 2 bathrooms, and a detached 2-car garage, this well-loved property offers great bones, a functional layout, and endless potential for buyers looking to add their own style and vision. Situated on a beautifully maintained lot with thoughtfully landscaped front and back yards, the home offers inviting curb appeal and outdoor spaces perfect for gardening, entertaining, or simply relaxing. Inside, you’ll find a cozy and comfortable floorplan with plenty of space to grow and the chance to create the home of your dreams. Whether you’re a first-time buyer, investor, or someone looking for a cosmetic fixer in an established neighborhood, this is a rare opportunity you won’t want to miss. Located in a highly sought-after Castro Valley neighborhood known for its strong community feel, convenient commuter access, and top-rated schools, this home is near Marshall Elementary, Creekside Middle School, and Castro Valley High School. Enjoy close proximity to parks, shopping, dining, BART, and major freeways while still enjoying the charm of a quiet residential street. Homes with this kind of potential, location, and pride of ownership rarely come available, bring your imagination and make 20048 Sapphire St. your own!

Getting Around

65
WalkingSomewhat Walkable
29
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

9/10
10/10
Creekside Middle SchoolGrades 6-80.2 mi
9/10
Castro Valley High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1949

Materials

  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Refrigerator,Dryer,Washer,Gas Water Heater
  • Laundry features: Laundry Closet,In Kitchen

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Other
  • Number of fireplaces: 1
  • Fireplace features: Brick,Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,596
  • Total interior livable area: 1,596 sqft

Kitchen

  • Features: 220 Volt Outlet,Dishwasher,Gas Range/Cooktop,Refrigerator

Property

Details

  • Parcel number: 84C106480
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Enclosed

Lot

  • Lot size: 6,098 sqft
  • Features: Back Yard,Front Yard,Landscaped,Landscape Back,Landscape Front

Parking

  • Total spaces: 2
  • Parking features: Detached,Off Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $4,545$54,540
Home Insurance *$139$1,668
Property Taxes $1,538$18,456
Electricity $398$4,786
Total$6,620$79,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,971/yr
40% on housing$198,600/yr
45% on housing$176,533/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: 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

$563This listing

vs Other Active Listings

Avg $/sqft

ZIP 94546$527
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)

Price History

DateEventPrice
2026-05-11Listed for sale$899,000

For Sale by Agent

AgentJanella Anguiano
BrokerageCentury 21 Masters

Similar Homes