10295 Stern Ave, Cupertino, CA 95014 Property Records

Santa Clara County property record for 10295 Stern Ave, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1952
Lot Size	0.127 acres (5,529 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,326,500 (Sep 2024)
Tax Bill	$28,157 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`375-10-047`

Property Details

APN / Parcel Number

Primary APN	`375-10-047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	5,529 sqft (0.127 acres)
Lot Dimensions	97 ft deep x 57 ft wide
Garage Type	Carport
Garage Area	225 sqft
Carport	Carport
Carport Area	225 sqft
Parking Spaces	1 Parking Space
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10295 STERN AVE
City	CUPERTINO
State	CA
Zip	95014-3685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 1004 BOOK 40 PAGE 29 LOT 289
Legal Subdivision	MANSION GROVE
Legal Tract	1004
Legal Lot Number	289
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1009
Census Tract	508004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10295 STERN AVE, CUPERTINO, CA 95014-3685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 15, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	202425695764
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10295 STERN AVE, CUPERTINO, CA 95014-3685
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10295 STERN AVE, CUPERTINO, CA 95014-3685

Mortgage

Document Number	0025924438
Date	Dec 29, 2025
Instrument	25924438

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 15, 2018
Property Address	10295 STERN AVE, CUPERTINO, CA 95014-3685
Document Number	0024003886
Map Reference	MB40 PG29&30
Instrument Date	Aug 9, 2018
Instrument	24003886
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	10295 STERN AVE, CUPERTINO, CA 95014-3685

Mortgage

Document Number	0024003887
Date	Aug 15, 2018
Instrument	24003887

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$2,373,030 (+2%) Land $2,135,676 Building $237,354
2025	$28,157.00 (+20.23%) Homeowner's exemption	$2,326,500 (+21.56%) Land $2,093,800 Building $232,700
2023	$23,420.00 (+1.25%)	$1,913,878 Land $1,860,269 Building $53,609
2022	$23,131.00

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

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1980–1998)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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	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	SAN JOSE WATER private · serves 1,039,920 people · EPA ID CA4310011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2023
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 777 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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