10198 Cold Harbor Ave, Cupertino, CA 95014 Property Records

Santa Clara County property record for 10198 Cold Harbor Ave, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,002 sqft · built 1968
Lot Size	0.174 acres (7,560 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Dec 2013)
Tax Bill	$23,215 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`369-09-040`

Property Details

APN / Parcel Number

Primary APN	`369-09-040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,002 sqft Living Area
1st Floor Area	2,002 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,560 sqft (0.174 acres)
Lot Dimensions	108 ft deep x 70 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	10198 COLD HARBOR AVE
City	CUPERTINO
State	CA
Zip	95014-3300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 4334 WILLISTON PARK BOOK 226 PAGE 2 PAGE 3 LOT 22
Legal Subdivision	WILLISTON PARK
Legal Tract	4334
Legal Lot Number	22
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1002
Census Tract	508006

Owner

10198 Cold Harbor Ave is owned and occupied by two individuals who acquired it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	10198 COLD HARBOR AVE, CUPERTINO, CA 95014-3300
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 27, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2013 · Amount on File
Deed Sale	Dec 30, 2013 · Amount on File
Prior Sale	Jun 16, 2010 · Amount on File
Deed Document Number	201322484057
Last Transfer Date	Jul 17, 2015
Transfer Doc	0023028356
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10198 COLD HARBOR AVE, CUPERTINO, CA 95014-3300
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10198 COLD HARBOR AVE, CUPERTINO, CA 95014-3300

Mortgage

Document Number	0025121187
Date	Oct 4, 2021
Instrument	25121187

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10198 COLD HARBOR AVE, CUPERTINO, CA 95014-3300
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024265014
Date	Aug 27, 2019
Instrument	24265014

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 10198 Cold Harbor Ave was $23,215.

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		$1,938,076 (+2%) Land $1,462,939 Building $475,137
2025	$23,215.00	$1,900,075 Land $1,434,254 Building $465,821
2023	$22,382.00 (+1.07%)	$1,826,295 Land $1,378,561 Building $447,734
2022	$22,144.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 10198 Cold Harbor Ave in Zone X, an area of moderate flood risk.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force

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

The area around 10198 Cold Harbor Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CWSC LOS ALTOS SUBURBAN private · serves 63,559 people · EPA ID CA4310001
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 310 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	1,000 / 75
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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