Get a belowmarket rate of 3.625% by assuming a massive below market rate loan. Gain rental income with a long term tenant in the second unit. Exceptional flexibility for multi-generational living, a live one/rent one approach, or added support for monthly housing costs. Opportunities with built in living flexibility are increasingly limited, making this home a standout option.
Located near downtown San Jose, major employers, transit, parks, and everyday conveniences, this central corridor remains consistently desirable. Residents appreciate the walkability, nearby amenities, and quick access to shopping, dining, and commuter routes. Whether you're entering homeownership with added financial flexibility or seeking a property with long term upside, this home delivers meaningful value in todays market especially with the advantage of a below market assumable rate.
For sale
Price cut: $36.2K (6/24)
$998,800
1120 Locust St, San Jose, CA 95110
4beds
1,474sqft
Single Family Residence, Residential
Built in 1955
4,352 Square Feet Lot
$991,700 Zestimate®
$678/sqft
$-- HOA
What's special
- 67 days |
- 1,148 |
- 27 |
Zillow last checked:
Listing updated:
Listed by:
Robert Garcia 01408257 408-455-4007,
Acquire Inc. 408-455-4007
Source: MLSListings Inc,MLS#: ML82044909
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining room
- Features: EatinKitchen
Family room
- Features: SeparateFamilyRoom
Heating
- Other
Cooling
- None
Features
- Flooring: Laminate
- Doors: Other
Interior area
- Total structure area: 1,474
- Total interior livable area: 1,474 sqft
Property
Parking
- Total spaces: 2
- Parking features: Attached, On Street, Other
- Attached garage spaces: 2
Accessibility
- Accessibility features: Other
Features
- Stories: 1
Lot
- Size: 4,352 Square Feet
Details
- Parcel number: 43406045
- Zoning: R2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence, Residential
- Attached to another structure: Yes
Materials
- Foundation: Slab
- Roof: Composition
Condition
- New construction: No
- Year built: 1955
Utilities & green energy
- Gas: IndividualGasMeters, PublicUtilities
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Public Utilities, Water Public
Community & HOA
Location
- Region: San Jose
Financial & listing details
- Price per square foot: $678/sqft
- Tax assessed value: $1,140,797
- Annual tax amount: $16,103
- Date on market: 4/28/2026
- Listing agreement: ExclusiveRightToSell
- Listing terms: Assumable, FHA
Estimated market value
$991,700
$942,000 - $1.04M
$2,908/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/24/2026 | Price change | $998,800-3.5%$678/sqft |
Source:  MLSListings Inc #ML82044909 Report a problem | ||
| 6/13/2026 | Price change | $1,035,000-3.7%$702/sqft |
Source: MLSListings Inc #ML82040543 Report a problem | ||
| 5/24/2026 | Listed for rent | $3,000+3.4%$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 5/4/2026 | Price change | $1,075,000-8.7%$729/sqft |
Source: MLSListings Inc #ML82044909 Report a problem | ||
| 3/27/2026 | Listed for sale | $1,178,000+9.6%$799/sqft |
Source: MLSListings Inc #ML82040543 Report a problem | ||
| 5/19/2025 | Listing removed | $2,900$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 5/8/2025 | Price change | $2,900-3.3%$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/2/2025 | Listed for rent | $3,000+7.1%$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 8/2/2022 | Listing removed | -- |
Source: Zillow Rental Manager Report a problem | ||
| 7/7/2022 | Price change | $2,800-2.1%$2/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 6/28/2022 | Price change | $2,860-3.1%$2/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 6/20/2022 | Price change | $2,950-3.3%$2/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 6/13/2022 | Listed for rent | $3,050+45.2%$2/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 2/17/2022 | Sold | $1,075,000+19.6%$729/sqft |
Source: Public Record Report a problem | ||
| 1/16/2022 | Contingent | $899,000$610/sqft |
Source:  MLSListings Inc #ML81871821 Report a problem | ||
| 1/5/2022 | Listed for sale | $899,000$610/sqft |
Source: MLSListings Inc #ML81871821 Report a problem | ||
| 12/28/2021 | Contingent | $899,000$610/sqft |
Source: MLSListings Inc #ML81871821 Report a problem | ||
| 12/13/2021 | Listed for sale | $899,000-0.1%$610/sqft |
Source: MLSListings Inc #ML81871821 Report a problem | ||
| 11/10/2021 | Listing removed | -- |
Source: Zillow Rental Network Premium Report a problem | ||
| 10/9/2021 | Price change | $2,100-2.3%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 10/1/2021 | Listed for rent | $2,150$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 7/7/2020 | Listing removed | $899,888$611/sqft |
Source: NKC Real Estate,Inc #ML81753631 Report a problem | ||
| 4/1/2020 | Price change | $899,888-3%$611/sqft |
Source: NKC Real Estate,Inc #ML81753631 Report a problem | ||
| 1/3/2020 | Price change | $927,888-6.2%$630/sqft |
Source: NKC Real Estate,Inc #ML81753631 Report a problem | ||
| 8/29/2019 | Listed for sale | $988,888$671/sqft |
Source: NKC Real Estate,Inc #ML81753631 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $16,103 +6% | $1,140,797 +2% |
| 2024 | $15,190 +2.1% | $1,118,430 +2% |
| 2023 | $14,883 +0.4% | $1,096,500 +1831.9% |
| 2022 | $14,818 +780.6% | $56,759 +2% |
| 2021 | $1,683 +1% | $55,647 +1% |
| 2020 | $1,666 | $55,077 +2% |
| 2019 | $1,666 +3.8% | $53,998 +2% |
| 2018 | $1,605 | $52,940 +2% |
| 2017 | $1,605 +1.5% | $51,903 +2% |
| 2016 | $1,581 +11.5% | $50,887 +1.5% |
| 2015 | $1,418 +8% | $50,124 +2% |
| 2014 | $1,313 | $49,143 +0.5% |
| 2013 | -- | $48,922 +2% |
| 2012 | -- | $47,964 +2% |
| 2011 | -- | $47,025 +0.7% |
| 2010 | -- | $46,675 -0.2% |
| 2009 | -- | $46,787 +2% |
| 2008 | -- | $45,871 +2% |
| 2007 | -- | $44,972 +2% |
| 2006 | -- | $44,091 +2% |
| 2005 | -- | $43,227 +2% |
| 2004 | -- | $42,381 +1.9% |
| 2003 | -- | $41,605 +2% |
| 2002 | -- | $40,790 +2% |
| 2001 | -- | $39,991 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: Fairgrounds
Nearby schools
GreatSchools rating
- 4/10Washington Elementary SchoolGrades: K-5Distance: 0.3 mi
- 5/10Willow Glen Middle SchoolGrades: 6-8Distance: 2 mi
- 8/10Willow Glen High SchoolGrades: 9-12Distance: 2 mi
Schools provided by the listing agent
- District: SanJoseUnified
Source: MLSListings Inc. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
Local buyer's agents are ready to help
- California
- Santa Clara County
- San Jose
- 95110
- Fairgrounds
- 1120 Locust St
Nearby cities
Nearby neighborhoods
Nearby zip codes
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