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623 & 625 S 2nd St, San Jose, CA, 95112

10beds
4baths
3,360sqft
$1,390,000
$414price/sqft
$8,713/moest. monthly cost
$348,520/yrincome needed

About This Home

Downtown Primary Commercial Location:The upstairs features seven bedrooms and two bathrooms. The downstairs unit features three bedrooms and two bathrooms with a steady income history. High-demand location near San Jose State University, public transportation, and easy freeway access. Walkable to downtown restaurants and shopping! Buyers are advised to do their own due diligence. This hidden treasure delivers steady rental income and plenty of potential for future opportunities..

Getting Around

91
WalkingWalker's Paradise
58
TransitGood Transit
89
BikeVery Bikeable

Schools

4/10
4/10
7/10

Construction

Condition

  • Year built: 1906

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Residential Income

Interior

Appliances

  • Laundry features: None

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 4

Features

  • Door features: Other
  • Flooring: Hardwood,Laminate

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 3,360
  • Total interior livable area: 3,360 sqft

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 47226013
  • Zoning: DC
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 4,318 sqft

Parking

  • Parking features: Common,On Street
  • Carport: 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
    EarthquakeVery 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 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 $7,028$84,336
Home Insurance *$178$2,136
Property Taxes $787$9,444
Electricity $720$8,646
Total$8,713$104,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$298,731/yr
40% on housing$261,390/yr
45% on housing$232,346/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

$414This listing

vs Other Active Listings

Avg $/sqft

ZIP 95112$476
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95112$797
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)

No zestimate history available

Price History

DateEventPrice
2026-02-06Price change$1,390,000
2025-11-12Listed for sale$1,450,000

For Sale by Agent

AgentEnrique Henry Estrada
BrokerageHilltop Realty

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