$3,750,000
20660 Lomita Ave, Saratoga 95070
Size check
The listing's square footage against the county assessor's record and the permits on file.
The listing and the county record agree within 10%.
What can explain a difference
- Space built without a permit.
- Permitted work the assessor has not recorded yet.
- An ADU, a finished basement or a converted garage counted in one figure and not the other.
- Different measuring. Listing agents and the assessor often measure the same house differently.
AddressIntel AI Briefing
This property is a strong teardown-and-mansionize candidate given the age of the structure and the highly affluent Saratoga demographic. However, the high fire hazard zone blocker will require strict compliance with state and local WUI building codes, elevating construction costs. An SB 9 lot split into multiple units is also a highly viable play to capture maximum local demand.
Property Permit History
Recent Neighborhood Remodeling (Saratoga)
Parcel & Zoning Info
ADU Potential
Flag / irregular · Corner lot · ~138 ft frontage × 143 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
Meaningful unused floor-area headroom under current zoning, room to add square footage. Zoning allows roughly 2,924 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: Saratoga City Code 15-45.030 (R-1-10,000 default; district unresolved) (as of 2026-08-24). Verify FAR, coverage, setbacks, and height with the local planning dept.
Hazard Snapshot
Flood Zone
Fire Severity
Liquefaction
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
Saratoga Elementary
Saratoga Union Elementary
Redwood Middle
Saratoga Union Elementary
Saratoga High
Los Gatos-Saratoga Union High
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
71/100
Based on recent sales velocity and local demand in 95070.
Flippability Score
68/100
Measures neighborhood renovation density vs. recent permits on this property.
Bidding War Prob.
13%
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 2,924 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 Saratoga (95070): $1,465/sqft, plus 5% because new houses sold at a median 1.07x their comps across 239 real rebuilds. 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.
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.
Projected Profit
Warning: Project is mathematically underwater.
Recent Comparables (Saratoga 95070)
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.