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1245 Cotter Way, Hayward, CA, 94541

3beds
2baths
1,713sqft
$875,000
$511price/sqft
$5,895/moest. monthly cost
$235,800/yrincome needed

About This Home

Excellent Property with 2 houses on one lot!! Main House Updated Approx. 9-10 years ago to a high level. Walk into this Wonderful Spanish Style Home with Hardwood Floors w/Tile in Bath, Kitchen and Laundry. Stainless Appliances, Forced air Heat, Windows Replaced, Plaster Removed from All Walls/Replaced w/New Sheet Rock, Foundation Bolted. Roof Replaced with TPO as well. Rear Unit (1245B) Updated in 2025. Mid Mod Style Unit w/fenced yard. New flooring (LVP), New Light Fixtures, New Interior Paint, New Bath, Updated kitchen with new Quartz Counters, Sink, Faucet w/Garbage Disposal and a New Hood. New TPO Roof Installed!!! Hayward has long been called the 'Heart of the Bay'. The property is Centrally Located Within easy access to 580, 880, 92, 84, 680, BART and other Transportation. Very close to Downtown, Shopping, Dining and multitude of Entertainment! DO NOT WALK PROPERTY OR DISTURB TENANTS.

Getting Around

69
WalkingSomewhat Walkable
42
TransitSome Transit
55
BikeBikeable

Schools

3/10
4/10
Bret Harte Middle SchoolGrades 7-81.1 mi
5/10
Hayward High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1942

Materials

  • Roof: Other
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family,2HOUSES-1LOT

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Updated Baths,Updated Kitchen
  • Window features: Window Coverings
  • Flooring: Hardwood,Laminate,Tile
  • Fireplace features: Fireplaces
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air,Natural Gas,Wall Furnace
  • Cooling features: No Air Conditioning

Interior Area

  • Total structure area: 1,713
  • Total interior livable area: 1,713 sqft

Property

Details

  • Parcel number: 4281642
  • Special condition: Successor Trustee Sale

Lot

  • Lot size: 7,600 sqft
  • Features: 2 Houses / 1 Lot,Premium Lot,Rectangular Lot,Back Yard,Front Yard

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: 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 $4,424$53,088
Home Insurance *$167$2,004
Property Taxes $906$10,872
Electricity $398$4,786
Total$5,895$70,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$202,114/yr
40% on housing$176,850/yr
45% on housing$157,200/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

$511This listing

vs Other Active Listings

Avg $/sqft

ZIP 94541$412
Alameda County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 94541$600
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
2026-06-22Listed for sale$875,000

For Sale by Agent

AgentRalph Watkins III
BrokerageWatkins Real Estate

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