645 F St, Union City, CA, 94587
About This Home
Welcome to 645 F St, located in the historic Decoto neighborhood of Union City, an area known for its charm, convenience, and strong sense of community. This home offers a comfortable floor plan with inviting living spaces and a practical layout. The living area connects to the kitchen and dining space, creating a functional environment for daily living. Bedrooms provide comfortable accommodations, and the yard offers additional outdoor space for relaxing, gardening, or entertaining. Conveniently located close to parks, schools, shopping, dining, BART, and major commuter routes, this property provides easy access to the greater Bay Area while maintaining the charm of an established neighborhood.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1942
Materials
- Foundation: Raised
- Roof: Shingle,Composition
- Construction materials: Stucco,Frame,Wood
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Inside,Inside Room
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Features: Dining/Family Combo
Features
- Flooring: Vinyl
Heating & Cooling
- Heating features: Wall Furnace
- Cooling features: Ceiling Fan(s)
Interior Area
- Total interior livable area: 1,145 sqft
Kitchen
- Features: Pantry Cabinet,Quartz Counter,Stone Counters
Property
Details
- Parcel number: 4861281
- Zoning description: RES
- Special condition: Standard
Lot
- Lot size: 5,000 sqft
- Features: Curb(s)/Gutter(s),Shape Regular,Landscape Back,Landscape Front
Parking
- Total spaces: 1
- Parking features: Attached,Covered,Detached,Garage Faces Front
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Heat Wave
- Inland Flooding
- Wildfire
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 | $4,040 | $48,480 |
| Home Insurance * | $87 | $1,044 |
| Property Taxes | $506 | $6,072 |
| Electricity | $398 | $4,786 |
| Total | $5,031 | $60,372 |
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 |
|---|---|---|
| 2026-03-24 | Price change | $799,000 |
| 2026-03-13 | Listed for sale | $840,000 |
View on Zillow