1045 Ray Ave, Los Altos, CA 94022 Property Records

Santa Clara County property record for 1045 Ray Ave, Los Altos, CA 94022

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,149 sqft · built 1950
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,880,000 (Oct 2022)
Tax Bill	$48,480 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2022 Transfer + 4 more
Flood Zone	Zone X (moderate risk)
APN	`167-12-022`

Property Details

APN / Parcel Number

Primary APN	`167-12-022`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,149 sqft Living Area
Gross Area	1,737 sqft
1st Floor Area	1,737 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Architectural Style	H-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1045 RAY AVE
City	LOS ALTOS
State	CA
Zip	94022-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 577 LOUCKS MANOR BOOK 24 PAGE 8 LOT 30
Legal Subdivision	LOUCKS MANOR
Legal Tract	577
Legal Lot Number	30
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1000
Census Tract	510500

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	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Nov 7, 2022	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Mar 12, 2019	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Mar 12, 2019	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Apr 14, 2022	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Oct 26, 2022	Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Sep 3, 2002 · Amount on Record
Deed Document Number	202225391602
Transfer Doc	0012969633
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Transaction Type	Mortgage
Record Updated	Oct 26, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TOWNE CIR, MOUNTAIN VIEW, CA 94040-1588

Mortgage

Document Number	0025545584
Date	Oct 17, 2023
Instrument	25545584

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.34%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Margin	3
Max Rate	10.3%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 7, 2022
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Document Number	0025396715
Map Reference	MB 24 PG 8
Instrument Date	Nov 1, 2022
Instrument	25396715
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024132382
Date	Mar 12, 2019
Instrument	24132382

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.05%
Type Change Date	Apr 1, 2026
Change Frequency	Monthly
Min Rate At Change	2.95%
Index	1-Month LIBOR
Max Rate	10.9%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024132383
Date	Mar 12, 2019
Instrument	24132383

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 26, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046

Mortgage

Document Number	0025283020
Date	Apr 14, 2022
Instrument	25283020

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 26, 2022
Property Address	1045 RAY AVE, LOS ALTOS, CA 94022-1046
Document Number	0025391602
Map Reference	MB 24 PG 8
Instrument Date	Oct 7, 2022
Instrument	25391602
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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	1045 RAY AVE, LOS ALTOS, CA 94022-1046

Mortgage

Document Number	0025391603
Date	Oct 26, 2022
Instrument	25391603

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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	Los Altos City
Elementary School District	Los Altos Elementary School District (KG - 08)
Secondary School District	Mountain View-Los Altos Union School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$4,117,486 (+2%) Land $3,884,021 Building $233,465
2025	$48,480.00 (+5.09%) Homeowner's exemption	$4,036,752 (+4.04%) Land $3,807,864 Building $228,888
2023	$46,133.00 (+132.26%) Homeowner's exemption	$3,880,000 Land $3,660,000 Building $220,000
2022	$19,863.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

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 364 locations within half a mile, as of December 31, 2025

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

May also be available: Cruzio, GeoLinks.

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