10181 Phar Lap Dr, Cupertino, CA 95014 Property Records

Santa Clara County property record for 10181 Phar Lap Dr, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,674 sqft · built 1964
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Company Names on File
Last Sale	$3,600,000 (Jun 2023)
Tax Bill	$44,789 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`326-39-054`

Property Details

APN / Parcel Number

Primary APN	`326-39-054`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,674 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,162 sqft
2nd Floor Area	638 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10181 PHAR LAP DR
City	CUPERTINO
State	CA
Zip	95014-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3442 OAKDELL RANCH BOOK 165 PAGE 30 PAGE 31 LOT 41
Legal Subdivision	OAKDELL RANCH
Legal Tract	3442
Legal Lot Number	41
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1000
Census Tract	507701

Owner

Source: Santa Clara County records, as of July 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	10181 PHAR LAP DR, CUPERTINO, CA 95014-1113
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 9, 2023	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Prior Sale	Apr 15, 2003 · Amount on File
Deed Document Number	202325486154
Prior Transfer Date	Aug 9, 2005
Prior Transfer Doc	0018522739
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10181 PHAR LAP DR, CUPERTINO, CA 95014-1113
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10181 PHAR LAP DR, CUPERTINO, CA 95014-1113

Mortgage

Document Number	0025940296
Date	Feb 5, 2026
Instrument	25940296

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 SOUTH TRYON STREET, CHARLOTTE, NC 28280

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.62%
Max Rate At Change	10%
Index	Other
Max Rate	10%

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 9, 2023
Property Address	10181 PHAR LAP DR, CUPERTINO, CA 95014-1113
Document Number	0025486154
Map Reference	MB 165 PG 30&31
Instrument Date	May 25, 2023
Instrument	25486154
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10181 PHAR LAP DR, CUPERTINO, CA 95014-1113

Mortgage

Document Number	0025486155
Date	Jun 9, 2023
Instrument	25486155

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Cupertino City
Elementary School District	Cupertino Union Elementary School District (KG - 08)
Secondary School District	Fremont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,820,347 (+2%) Land $3,438,313 Building $382,034
2025	$44,789.00 (+160.2%)	$3,745,440 (+172.2%) Land $3,370,896 Building $374,544
2023	$17,213.00 (+0.81%)	$1,376,009 Land $835,250 Building $540,759
2022	$17,075.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CUPERTINO serves 16,336 people · EPA ID CA4310018
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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