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175 W Saint James Street 106 — San Jose — 2 Beds • 2 Baths • 1,984 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+28 more

$975,000

17 DOM

$491/sqft2 bd2 ba1,984 sqftHOA ~1,088/mo

Call

175 W Saint James St 106 San Jose, CA 95110

Huge 2 bedroom + loft home in the heart of Downtown San Jose. Almost 2,000 square feet of living space! Great floor plan with large living area, open kitchen, 2 bedrooms, loft space, 2 full bathrooms, and 2 half bathrooms. Super spacious primary bedroom includes en suite bathroom and lots of closet space. There is a bedroom and full bathroom on first floor. Large loft area upstairs adjacent to the primary bedroom is plenty spacious and perfect for a home office, upstairs living room, or enough room for both. Newer flooring throughout this home. Kitchen features granite counters and stainless steel appliances. Plenty of windows throughout the home provide lots of natural sunlight. Plenty of closet and storage space throughout. Great location that opens out to Pellier Park. Ideal for taking your dog out for a walk or enjoying the green space. Includes 2 parking spaces. Easy walk to San Pedro Square for coffee, drinks or grabbing dinner. Close to SAP Center, restaurants, entertainment, and shops throughout Downtown San Jose. Easy access to Highway 87, 101, 280 and 880. Close to the Coleman Shopping Center. This home would be great for roommates since there is a bedroom and liviing area on both the first and second floor.

MLS ML82040531

408-297-5638 (Office) 408-891-8289 (Cell) tony@upswingrealestate.com

Est. payment

$7,318/mo

Principal & interestTaxesInsuranceHOA

$4,930$1,016$284$1,088

Down %

Rate %

Years

Down payment: $195,000 · Total cost: $1,969,847

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$7,318/mo

Principal & interest: $4,930
Est. property tax: $1,016
Est. insurance: $284
HOA (normalized / mo): $1,088
Down payment: $195,000

Est. gross rent$4,063/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-3,255/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.