CoBuy-Suitable™ Homes
Room for five adults, each with a private suite
18471 Corte Zapala, Morgan Hill, CA 95037
$3,850,000
$632/sqft
Active · MLS #ML82054319 · Listed July 15, 2026 (view listing)
5 bd · 5.5 ba · 6,089 sqft · 0.34 ac · built 2025
Listed by Fred Glick, Arrivva, Inc. · CA DRE #01507615
Supports three to five adults sharing, each with a private suite.
CoBuy Suitability Score™
Supports three to five adults sharing, each with a private suite.
Zones: 1 Quarters · 4 Suites · 1 kitchen
Quarters: a self-contained space with its own entrance · Suite: a bedroom with its own bath.
- Three to five adults: A−
- Two couples: A−
- A couple plus one: A
- Two friends: A
- Two independent households: Not possible
- A household plus a rental unit: Not possible
Scored for six ways of sharing a home. This one supports four of them.
© 2026 CoBuy, Inc.
How it grades for each way of sharing
Including the two this home cannot do.
- Three to five adults: A−Five bedrooms, five full baths. Every person gets a private suite, and the kitchen and living space are shared.
- Two couples: A−Two suites each, with baths to spare. One kitchen and one set of living spaces to share between the two couples.
- A couple plus one: AThe main-level suite has its own entrance and bath, so the third person comes and goes without crossing anyone else's space.
- Two friends: AFar more room than two people need. Each takes a suite; the remaining three stay free for guests, offices, or storage.
- Two independent households: Not possibleOne kitchen. Two separate households each need their own cooking source.
- A household plus a rental unit: Not possibleNo permitted separate unit and no second kitchen, so there is nothing here to rent out independently.
Why the last two are not possible: Both need a second cooking source. This home has one kitchen, so two households cannot run independently of each other.
Grades describe what the home can support, not who should buy it. A larger home satisfies smaller groups easily, so the strongest grades are not always the best fit.
What makes it work
Five bedrooms, five private full baths. Every bedroom is a suite. Nobody negotiates over who gets the primary.
Two independent entrances. Both usable without walking through someone else's space.
A main-level suite with its own entrance and bath. It functions as near-separate quarters on the entry level.
Parking for eight. A four-car side-load garage plus four uncovered spaces, so shared living does not turn into a parking problem.
The math of sharing
At today's rates, a home like this is out of reach for one household and straightforward for a group. Split the same home two, three, four, or five ways:
Co-buyers
Down payment
Monthly, each
$12,197
Group total $24,393/mo
Cash to close, each
$413,875
Group total $827,750
Assumptions
- Price $3,850,000 · 30-year fixed, standard amortization.
- Rate 6.55% (national average 30-year fixed as of Jul 16, 2026; jumbo pricing varies).
- Property tax $48,120/yr (from the listing).
- Insurance ~$449/mo (estimated) · closing costs ~1.5% of price (estimated).
- HOA dues $365/mo, included above.
- PMI not modeled at these down payments.
These figures are illustrative, not a quote or a loan offer. All co-borrowers qualify jointly, and pricing depends on credit, income, and the specific loan. Get an official Loan Estimate before choosing a loan. Run your own numbers.
Rates auto-updated from Federal Reserve Economic Data (FRED)
The photos
The details
Gated Borello Ranch Estates · HOA $365/mo · Santa Clara County · APN 72863021 · listed July 15, 2026 · solar · tankless water heater · EV-ready.
MLS #ML82054319. Listed by Fred Glick, Arrivva, Inc. (CA DRE #01507615) (view the listing on Redfin). Photos courtesy of the listing agent, used with permission.
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How we score: the CoBuy Suitability Score · The demand behind it: the CoBuy Co-ownership Index™
How to cite
Preferred citation: CoBuy Suitability Score™, CoBuy (cobuy.io/suitability-score).
Plain-text form: CoBuy Suitability Score, CoBuy, cobuy.io/suitability-score.
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