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ActiveSingle Family

$2,198,000

656 S 14th St, San Jose 95112

Beds5
Baths2
Sqft2,267
DOM2
No Photos Available

AddressIntel AI Briefing

An SB 9 lot split to introduce multi-unit density is the optimal play on this deep lot. Liquefaction is a factor, but the central location ensures a steady pool of potential buyers and tenants post-construction. The existing structure represents significant value-add potential if completely re-imagined.

Property Permit History

No permit history found directly associated with this property's address.

Recent Neighborhood Remodeling (San Jose)

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1 & 2 Family Residential
--Active

Parcel & Zoning Info

APN47230072
Official Lot Sqft6,534
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 Score84/100
Max ADU Units2 (ADU + JADU)
Est. ADU Size1,200 sqft
Existing Coverage34.7%

Flag / irregular · Corner lot · ~112 ft frontage × 145 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 Score15/100
ClassBuilt out
FAR Utilization77% of allowed
Buildable Headroom+673 sqft

Existing home already uses most of the allowable floor area, little expansion headroom. Zoning allows roughly 2,940 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.

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

1.3 miles away
High School

San Jose High

San Jose Unified

1.2 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

66/100

Based on recent sales velocity and local demand in 95112.

Flippability Score

45/100

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

Bidding War Prob.

16%

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 2,940 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 12 recent single-family sales in San Jose (95112): $656/sqft. Sized within 25% of the 2,900 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.

Carry on total capital for the project duration. At 0% the model is a cash purchase; 12 months at a typical construction-loan rate moves ROI by 6 to 10 points on a deal this size, so price it with your real rate.

Hard Costs$1,595,000
New Build2,900 sqft
Total Capital Required$3,968,000
Estimated Resale (ARV)$1,902,400
Cost of Sale (5%)-$95,120
Net Proceeds$1,807,280

Projected Profit

-$2,160,720
-54.5% ROI

Warning: Project is mathematically underwater.

Recent Comparables (San Jose 95112)

Sized to the modelled 2,900 sqft build: sales within 25% of it. Smaller houses sell for more per foot, so pricing a rebuild off them overstates resale.

645 Woodland Ter

Sold
$1,298,000
Sold: 2026-07-31
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Sqft: 2232
$/Sqft: $582

102 S 12th St

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$2,090,000
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$/Sqft: $854

1137 N 3rd St # A

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$2,050,000
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873 N 5th St

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$2,250,000
Sold: 2026-06-23
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Sqft: 2602
$/Sqft: $865

621 S 6th St

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$1,370,000
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114 N 5th St

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$988,000
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$/Sqft: $435

132 N 16th St

Sold
$1,200,000
Sold: 2026-05-20
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$/Sqft: $537

196 S 14th St

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$1,670,000
Sold: 2026-05-06
Lot: 6,350
Sqft: 2233
$/Sqft: $748

646 Woodland Ter

Sold
$1,150,000
Sold: 2026-04-16
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Sqft: 2232
$/Sqft: $515

181 S 13th St

Sold
$2,600,000
Sold: 2026-02-06
Lot: 7,552
Sqft: 2864
$/Sqft: $908

101 S 13th St

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

551 S 15th St

Sold
$2,475,000
Sold: 2025-12-30
Lot: 10,080
Sqft: 2948
$/Sqft: $840