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6710 Optimum Loop, San Jose, CA, 95119

3beds
3baths
1,690sqft
$1,099,900
$651price/sqft
$7,346/moest. monthly cost
$293,840/yrincome needed

About This Home

Discover modern comfort and thoughtful design in this newly built Plan 5 townhome-style condominium at Lotus at UrbanOak in South San Jose. This two-story home offers approximately 1,690 square feet with 3 bedrooms and 3 full baths, including a convenient first-floor bedroom and bath ideal for guests, multigenerational living, or flexible work-from-home use. The second floor features an open-concept layout that integrates the kitchen, dining, and living areas, creating an inviting space for daily living and entertaining. The gourmet kitchen includes a gas cooktop, quartz countertops, a spacious island, and modern appliances, with direct access to a covered deck for outdoor enjoyment. The well-appointed Primary Suite provides a walk-in closet and a private bath with dual sinks and a stall shower. Additional features include multi-zone cooling, energy-efficient construction with solar power, a 2-car side-by-side garage, and interior laundry hookups. Community amenities at UrbanOak include a barbecue area, exercise course, playground, dog run, and low-maintenance landscaping. This residence offers contemporary living in a location convenient to Silicon Valley employment centers, dining, recreation, and transit options.

Getting Around

11
WalkingCar-Dependent
47
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

7/10
6/10
5/10
Oak Grove High SchoolGrades 9-122.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Other

Other

  • Builder name: Tri Pointe Homes

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Microwave,Gas Oven
  • Laundry features: Gas Dryer Hookup,Inside

Bathroom

  • Features: DoubleSinks, PrimaryStallShowers, ShowerandTub, FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom

Bedrooms & Bathrooms

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

Dining Room

  • Features: BreakfastBar, BreakfastNook

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • Walk-In Closet(s)
  • Flooring: Carpet

Heating & Cooling

  • Heating features: 2 plus Zones,Solar
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 1,690
  • Total interior livable area: 1,690 sqft

Kitchen

  • Features: ExhaustFan, Hookups_Gas, Island

Property

Details

  • Parcel number: 70658010f
  • Zoning: r-1
  • Special condition: NewSubdivision

Features

  • Patio & porch: Balcony/Patio
  • Exterior features: Barbecue,Dog Run/Kennel,Drought Tolerant Plants

Parking

  • Total spaces: 2
  • Parking features: Attached,Electric Vehicle Charging Station(s)
  • 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Wildfire

FEMA Declared Disasters in Santa Clara County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
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 $5,561$66,732
Home Insurance *$106$1,272
Property Taxes $1,281$15,372
Electricity $398$4,786
Total$7,346$88,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$251,862/yr
40% on housing$220,380/yr
45% on housing$195,893/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$651This listing

vs Other Active Listings

Avg $/sqft

ZIP 95119$673
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95119$796
Santa Clara County$1,052

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
2026-05-04Price change$1,099,900
2026-02-17Listed for sale$1,199,900
2026-01-14Pending sale$1,199,900
2025-11-12Listed for sale$1,199,900

New Construction Spec

AgentJennifer Younathan
BrokerageTRI Pointe Homes Bay Area

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