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ActiveSingle Family

$1,990,000

395 S 13th St, San Jose 95112

Beds5
Baths4
Sqft2,608
DOM7
No Photos Available

AddressIntel AI Briefing

Building a massive new single-family residence here is financially counterproductive due to low size-matched comps in this specific pocket. Instead, the large lot size makes a stealth density play of retaining the original home and adding multiple ADUs the most viable yield-generating path. This leverages existing infrastructure while shielding the investor from the negative spreads of a full rebuild.

Property Permit History

DateProject TypeStatusValuationContractor
2026-09-28Single-FamilyActive$24,558Unknown
2026-09-011 & 2 Family ResidentialActive--HOME PRO, PROFESSIONAL Russ Kahn
2026-08-31Single-FamilyActive$14,350HOME PRO, PROFESSIONAL Russ Kahn
2026-07-22CondoActive--D&C ELECTRIC DANIEL MIHAI

Recent Neighborhood Remodeling (San Jose)

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--Active
2026-10-19 • 639 N MONROE ST , SAN JOSE CA 95128-1341
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Parcel & Zoning Info

APN46741022
Official Lot Sqft9,148
Zoning Code--
SB 9 StatusLikely · up to 4 units
SB 9 Block Reasons No SB 9 disqualifiers found
Development Blockers
Liquefaction
Unlock Pathways
Ministerial ADU Ministerial SB 9 Density Bonus AB 1033 (sell ADU as condo)
Entitlement RiskLow (0/100)

ADU Potential

Feasibility Score92/100
Max ADU Units2 (ADU + JADU)
Est. ADU Size1,200 sqft
Existing Coverage28.5%

Flag / irregular · Corner lot · ~128 ft frontage × 147 ft deep, a tucked-away rear unit is very private; access is typically via the pole driveway. A second street frontage lets an ADU take its own entrance and address.

Screening heuristic based on lot size, existing coverage, lot orientation, and hazard overlays. CA ADU law is ministerial statewide; verify max size, setbacks, and JADU owner-occupancy with the local planning dept.

Redevelopment Potential

Redevelopment Score60/100
ClassExpansion room
FAR Utilization63% of allowed
Buildable Headroom+1,509 sqft

Meaningful unused floor-area headroom under current zoning, room to add square footage. Zoning allows roughly 4,117 sqft of gross floor area on this lot.

Screening estimate comparing existing living area to the city's single-family floor-area limit. FAR figure is a discretionary-review trigger, not a hard cap. Treat as approximate. Source: SJMC 20.30.200; 20.100.1020 (Single-Family House Permit) (as of 2026-06-30). Verify FAR, coverage, setbacks, and height with the local planning dept.

Hazard Snapshot

Flood Zone

D
Special flood hazard area; insurance may be required.

Fire Severity

None
Not in a mapped state fire severity zone.

Liquefaction

Yes
In a mapped liquefaction zone. May require specialized foundation engineering.

Fault Zone

No
Not in a mapped Alquist-Priolo fault zone.

Not a substitute for a Natural Hazard Disclosure (NHD) report. Zones reflect available GIS data and may not cover all localities. Liquefaction and fault flags: modified from California Geological Survey, Web Service of Official Maps of Alquist-Priolo Earthquake Fault Zones and Web Service of Official Maps of Seismic Hazard Zones (2025).

Nearby Public Schools

Elementary School

Selma Olinder Elementary

San Jose Unified

0.4 miles away
Middle School

Sunrise Middle

Santa Clara County Office of Education

1.1 miles away
High School

San Jose High

San Jose Unified

1.0 miles away

School boundaries are subject to change. Nearest school distance does not guarantee enrollment eligibility. Check with the local district. Data provided by CDE.

Proprietary Intelligence

Market Heat Index

61/100

Based on recent sales velocity and local demand in 95112.

Flippability Score

15/100

Measures neighborhood renovation density vs. recent permits on this property.

Bidding War Prob.

1%

Likelihood of multiple offers based on local list-to-sale ratios and DOM.

Proforma ROI Calculator

Back-of-the-napkin deal analysis across development strategies.

Zoning allows roughly 4,117 sqft on this lot, and the default builds to that envelope. The FAR figure is a discretionary-review trigger, not a hard cap.

Median of 6 recent single-family sales in San Jose (95112): $632/sqft, plus 5% because new houses sold at a median 1.07x their comps across 239 real rebuilds. Sized within 25% of the 4,100 sqft build, because smaller houses sell for more per foot and pricing a rebuild off them overstates resale.

Commission, transfer tax and closing. Deducted from resale before profit, so the ROI below is net of the exit rather than gross.

Interest on the purchase price for the whole project plus half the build budget, since construction draws ramp up. The default is 7% over 33 months, the median purchase-to-sale time of 239 real Peninsula and South Bay rebuilds. Set the rate to 0 for a cash purchase, or use your own lender's terms.

Hard Costs$2,255,000
New Build4,100 sqft
Total Capital Required$4,420,000
Estimated Resale (ARV)$2,722,400
Cost of Sale (5%)-$136,120
Carry (33mo @ 7%)-$616,963
Net Proceeds$1,969,318

Projected Profit

-$2,450,683
-55.4% ROI

Warning: Project is mathematically underwater.

Recent Comparables (San Jose 95112)

Sized to the modelled 4,100 sqft build: sales within 25% of it. Smaller houses sell for more per foot, so pricing a rebuild off them overstates resale.

621 S 6th St

Sold
$1,370,000
Sold: 2026-06-15
Lot: 5,125
Sqft: 3323
$/Sqft: $412

686 Margaret St

Sold
$2,299,000
Sold: 2026-02-27
Lot: 25,954
Sqft: 4067
$/Sqft: $565

101 S 13th St

Sold
$1,860,000
Sold: 2026-01-14
Lot: 8,192
Sqft: 3199
$/Sqft: $581

339 S 13th St

Sold
$2,298,000
Sold: 2025-12-12
Lot: 6,731
Sqft: 3368
$/Sqft: $682

696 Margaret St

Sold
$3,075,000
Sold: 2025-11-23
Lot: 27,939
Sqft: 3901
$/Sqft: $788

190 S 15th St

Sold
$2,520,000
Sold: 2025-07-10
Lot: 6,400
Sqft: 3081
$/Sqft: $818