12486 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12486 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,351 sqft · built 1978
Lot Size	0.289 acres (12,579 sqft)
Owner	2 Company Names on Record
Last Sale	$3,500,000 (Mar 2021)
Tax Bill	$52,818 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`386-51-012`

Property Details

APN / Parcel Number

Primary APN	`386-51-012`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,351 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	2,970 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	12,579 sqft (0.289 acres)
Lot Dimensions	130 ft deep x 96 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	6,200 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12486 SUMNER DR
City	SARATOGA
State	CA
Zip	95070-3835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1125
Legal Description	TRACT 5944 BOOK 395 PAGE 21 PAGE 22 LOT 12
Legal Subdivision	TRACT NO 5944
Legal Tract	5944
Legal Lot Number	12
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507500

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	2331 ESPERANCA AVE, SANTA CLARA, CA 95054-1367
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Mar 30, 2021	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Mar 13, 2015 · Amount on Record
Deed Document Number	202124899033
Prior Transfer Date	Nov 30, 2006
Prior Transfer Doc	0019230757
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12486 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023686448
Date	Jun 29, 2017
Instrument	23686448

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12486 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12486 SUMNER DR, SARATOGA, CA 95070-3835

Mortgage

Document Number	0024613358
Date	Sep 15, 2020
Instrument	24613358

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 30, 2021
Property Address	12486 SUMNER DR, SARATOGA, CA 95070-3835
Document Number	0024899033
Map Reference	MB 395 PG 21&22
Instrument Date	Mar 22, 2021
Instrument	24899033
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN 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	Living Trust
Address	2331 ESPERANCA AVE, SANTA CLARA, CA 95054-1367

Mortgage

Document Number	0024899034
Date	Mar 30, 2021
Instrument	24899034

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

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	Saratoga 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		$4,471,566 (+2%) Land $2,760,201 Building $1,711,365
2025	$52,818.00 (+17.21%)	$4,383,889 (+18.28%) Land $2,706,080 Building $1,677,809
2023	$45,062.00 (+3.41%)	$3,706,400 Land $2,601,000 Building $1,105,400
2022	$43,578.00

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
Nearby Flood Policies	1 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	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	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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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