10405 Stern Ave, Cupertino, CA 95014 Property Records

Santa Clara County property record for 10405 Stern Ave, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,463 sqft · built 1952
Lot Size	0.114 acres (4,947 sqft)
Owner	2 Company Names on Record
Last Sale	$2,230,000 (Nov 2023)
Tax Bill	$27,635 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`375-10-058`

Property Details

APN / Parcel Number

Primary APN	`375-10-058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,463 sqft Living Area
Gross Area	814 sqft
1st Floor Area	814 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,947 sqft (0.114 acres)
Lot Dimensions	97 ft deep x 51 ft wide
Garage Type	Carport
Garage Area	210 sqft
Carport	Carport
Carport Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	10405 STERN AVE
City	CUPERTINO
State	CA
Zip	95014-3686
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 1004 BOOK 40 PAGE 29 LOT 278
Legal Subdivision	MANSION GROVE
Legal Tract	1004
Legal Lot Number	278
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 Company Names on Record
Mailing Address	10405 STERN AVE, CUPERTINO, CA 95014-3686
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA
Nov 28, 2023	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Deed Document Number	202325568206
Prior Transfer Date	Nov 21, 2023
Prior Transfer Doc	0025568205
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10405 STERN AVE, CUPERTINO, CA 95014-3686
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10405 STERN AVE, CUPERTINO, CA 95014-3686
Investor	Possibly a Property Investor

Mortgage

Document Number	0025882930
Date	Oct 14, 2025
Instrument	25882930

Lender

Name	BMO BANK NA
Type	Bank
Address	320 S CANAL ST, CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 28, 2023
Property Address	10405 STERN AVE, CUPERTINO, CA 95014-3686
Document Number	0025568206
Map Reference	MB 40 PG 29&30
Instrument Date	Nov 10, 2023
Instrument	25568206
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	CHICAGO TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	402 GALLERIA DR APT 8, 8, SAN JOSE, CA 95134-2408
Investor	Possibly a Property Investor

Mortgage

Document Number	0025568207
Date	Nov 28, 2023
Instrument	25568207

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Max Rate	11.1%

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		$2,560,092 (+12.55%) Land $2,216,052 Building $344,040
2025	$27,635.00 (+382.79%)	$2,274,600 (+460.73%) Land $2,172,600 Building $102,000
2023	$5,724.00 (-1.53%) Homeowner's exemption	$405,649 Land $329,387 Building $76,262
2022	$5,813.00

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 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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