1028 Montoya Ter, Union City, CA, 94587
About This Home
Bright and airy two-story home in a gated community! This charming 3-bedroom, 2.5-bath home has been newly updated with fresh paint, SPC flooring and carpet, quartz countertops, recessed lighting, and more. The spacious master suite features a walk-in closet and a bathroom with a double-sink vanity. Enjoy the front and side yards with a private gate—perfect for family gatherings or a bit of gardening! Located in a safe and friendly community with a beautiful playground your family will love. Conveniently situated just minutes from shops and restaurants, with easy access to I-880. Come see it for yourself and make it your own!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Existing
- Year built: 1996
Materials
- Roof: Tile
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Free-Standing Range,Refrigerator,Dryer,Washer,Gas Water Heater
- Laundry features: In Garage
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- Partial bathrooms: 1
Features
- Counter - Solid Surface
- Window features: Window Coverings
- Flooring: Vinyl,Carpet
- Fireplace features: None
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,212
- Total interior livable area: 1,212 sqft
Kitchen
- Features: 220 Volt Outlet,Counter - Solid Surface,Dishwasher,Disposal,Range/Oven Free Standing,Refrigerator
Property
Details
- Parcel number: 4756121
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Lot size: 0.45 Acres
- Features: Level,Side Yard
Parking
- Total spaces: 2
- Parking features: Attached,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
- Inland Flooding
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Alameda County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,348 | $52,176 |
| Home Insurance * | $94 | $1,128 |
| Property Taxes | $1,037 | $12,444 |
| Electricity | $398 | $4,786 |
| Total | $5,877 | $70,524 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-17 | Listed for sale | $860,000 |
| 2025-11-26 | Listing removed | $899,800 |
| 2025-08-07 | Listed for sale | $899,800 |
| 2023-10-04 | Listing removed | -- |
| 2023-09-03 | Listed for rent | $3,300 |
| 2016-08-18 | Sold | $570,000 |
| 2016-07-14 | Pending sale | $565,000 |
| 2016-07-08 | Listed for sale | $565,000 |
| 2016-07-05 | Pending sale | $565,000 |
| 2016-06-08 | Price change | $565,000 |
| 2016-02-18 | Listed for sale | $580,000 |
| 2000-06-23 | Sold | $290,000 |
| 1996-12-31 | Sold | $164,000 |
View on Zillow