Mediterranean home in San Jose, CA
This 1,643-square-foot Mediterranean home in San Jose, CA includes 4 bedrooms and 3 bathrooms. Its Mediterranean character defines the property's look.
| Price | $1,099,000 |
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| Beds | 4 |
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| Baths | 3 |
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| Sqft | 1643 |
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| Architectural style | Mediterranean (40% match) |
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| Address | 402 Chelsea Xing, San Jose, CA 95138 |
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Why buy this home
- Confirmed Mediterranean architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- At $1.1M, this home is 48% below the $2.1M median for 78 similar Mediterranean homes in San Jose, CA.
- That works out to $669 per square foot, 21% below the $847 comparable rate.
- On the market 52 days, longer than usual here, so the seller may be open to offers.
| This home | $1,099,000 |
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| Mediterranean median in San Jose, CA | $2,094,950 (78 homes) |
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| Price per sq ft | $669 vs. $847 comps median |
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It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $7,527/month with 20% down at a 7.28% 30-year fixed rate. You would need about $322,574 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $6,016/mo |
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| Property tax (new-buyer reassessed rate) | $1,099/mo |
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| Homeowners insurance | $412/mo |
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| Total monthly | $7,527/mo |
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| Down payment (20%) | $219,800 |
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| Income needed | $322,574/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B (72 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B (72/100) |
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| Beats renting in | 29% of modeled paths |
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| Modeled 5-yr equity (median) | $647,323 |
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| Range (10th to 90th pct) | $404,147 to $937,241 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward San Jose, CA where local data is thin.
Local home values
Typical home values in San Jose, CA have risen about 18% over the past 5 years (+0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow