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188 W Saint James Street 10406 — San Jose — 1 Bath • 652 Sq Ft | Belmont Brokerage | Belmont Brokerage

188 W Saint James Street 10406 — Photo 1

188 W Saint James Street 10406 — Photo 2

188 W Saint James Street 10406 — Photo 3

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188 W Saint James Street 10406 — Photo 8

Active

+3 more

$487,000

0 DOM

$747/sqft— bd1 ba652 sqftHOA ~596/mo

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188 W Saint James St 10406 San Jose, CA 95110

Welcome home to 188 West St James, the newest construction condominium project in downtown San Jose! This stylish and efficient studio offers western views of the SAP Center and the Santa Cruz Mountains. The home is open concept with a kitchen that includes a Bosch refrigerator and dishwasher, and a Bertazzoni gas range and oven. Building amenities include a fitness center, community lounge, business center, 75-foot pool, hot tub, BBQs, attended lobby, bike storage, and more. Don't miss your opportunity to own in this stunning building and enjoy the energy that downtown San Jose has to offer! Images posted are representative of the homes being offered.

MLS ML82043137

415-361-4800 (Office) 415-361-4800 (Cell) pzeger@polarispacific.com

Est. payment

$3,708/mo

Principal & interestTaxesInsuranceHOA

$2,463$507$142$596

Down %

Rate %

Years

Down payment: $97,400 · Total cost: $983,913

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$3,708/mo

Principal & interest: $2,463
Est. property tax: $507
Est. insurance: $142
HOA (normalized / mo): $596
Down payment: $97,400

Est. gross rent$2,029/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)$-1,679/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.

Price History

Event	Date	Price	Change
Listed	Apr 15, 2026	$487,000	—

Facts & Features

Transaction Data

HOA Fee$596/monthly

Structure & Property

Year Built2022

Garage Spaces1

415-361-4800 (Office) 415-361-4800 (Cell) pzeger@polarispacific.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

188 W Saint James Street 10406, San Jose, CA 95110

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188 W Saint James St 10406 San Jose, CA 95110

About this home

Paul A. Zeger

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Paul A. Zeger

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

188 W Saint James Street 10406, San Jose, CA 95110

About This Property

Property Photos

188 W Saint James St 10406 San Jose, CA 95110

About this home

Paul A. Zeger

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Paul A. Zeger

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.