# 16640 Los Banos ST, San Leandro, CA 94578

> **TL;DR:** 5bd/4ba single family, $978,888 ($687/sqft), built 1947, 1,425 sqft. Est. $5,236/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $978,888 |
| Price/sqft | $687 |
| Bedrooms | 5 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 1,425 |
| Year Built | 1947 |
| Lot Size | 7,501 sqft (0.17 acres) |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,950 |
| Estimated Insurance | $286 |
| **Total** | **$5,236** |

## Property Highlights

- Built in 1947
- 0.17 acre lot
- 3 parking spaces

## Description

### Agent Description
RARE OPPORTUNITY WITH FLEXIBLE LIVING, OUTDOOR SPACE & A 2.5% ASSUMABLE VA LOAN! This move-in-ready property offers much more than the numbers suggest. The 1,425-SF main residence features 3 bedrooms and 1.5 baths, PLUS two separate finished studio spaces (approx. 365 SF and 216 SF 2006 SF Total), each with a full bath, kitchenette and mini-split HVAC ideal for guests, extended family, offices or flexible uses. The larger studio has a successful history of short-term rental use; the smaller has been used as a long-term rental. Buyer to investigate permitted uses. Even more exceptional: a FULLY ASSUMABLE VA LOAN with an approximate $497,000 balance at just 2.5% offering a qualified buyer potential savings of approximately $1,150 per month compared with current financing. The main home blends mid-century character with updates, including PPA solar, LED lighting, tankless water heater and EV hookup. The dine-in kitchen features quartz counters, updated cabinetry, stainless appliances and a walk-in pantry. Upstairs, the loft bedroom with half bath opens to a rooftop balcony overlooking the gardens and East Bay. The 7,500-sf property offers drought-tolerant landscaping, mature fruit trees, parking and entertaining areas, plus a 1,400+ sf vista terrace with sweeping views.

## Location

- **Address:** 16640 Los Banos ST, San Leandro, CA 94578
- **Coordinates:** 37.695584, -122.106373
- **Google Maps:** https://www.google.com/maps?q=37.695584,-122.106373

## Listing Agent

- **Name:** Phil Roza · **License:** 02163941
- **Brokerage:** eXp Realty of California, Inc.
- **Phone:** 5108235788
- **Broker Phone:** (888) 584-9427 x119
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/16640-Los-Banos-St_Ashland_CA_94578_M10884-71218?f=listhub&s=MLSLCA&m=ML82055371&c=propsimple)

## Photos

![16640 Los Banos ST - Photo 1](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3231946180r.jpg)

![16640 Los Banos ST - Photo 2](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3990228181r.jpg)

![16640 Los Banos ST - Photo 3](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f1394357707r.jpg)

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![16640 Los Banos ST - Photo 5](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f1112065300r.jpg)

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![16640 Los Banos ST - Photo 33](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f883465906r.jpg)

![16640 Los Banos ST - Photo 34](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f2992939176r.jpg)

![16640 Los Banos ST - Photo 35](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3853995205r.jpg)

![16640 Los Banos ST - Photo 36](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3799247507r.jpg)

![16640 Los Banos ST - Photo 37](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f4038138152r.jpg)

![16640 Los Banos ST - Photo 38](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f4100919967r.jpg)

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![16640 Los Banos ST - Photo 42](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f4180447471r.jpg)

![16640 Los Banos ST - Photo 43](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f523392825r.jpg)

![16640 Los Banos ST - Photo 44](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f1329141838r.jpg)

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![16640 Los Banos ST - Photo 46](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3824299693r.jpg)

![16640 Los Banos ST - Photo 47](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3718257158r.jpg)

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![16640 Los Banos ST - Photo 51](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f3258842978r.jpg)

![16640 Los Banos ST - Photo 52](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f728510966r.jpg)

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![16640 Los Banos ST - Photo 55](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f2448585428r.jpg)

![16640 Los Banos ST - Photo 56](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f2087255759r.jpg)

![16640 Los Banos ST - Photo 57](http://lh.rdcpix.com/99a65ddc3ac27be61e274a5c388a6f5cl-f4221019093r.jpg)

---

**MLS#:** ML82055371 | **Updated:** 2026-10-15
**Source:** listhub

*Copyright © 2026 MLS Listings, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/16640-los-banos-st-san-leandro-ca-94578-82055371)

---

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