12498 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12498 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,311 sqft · built 1978
Lot Size	0.288 acres (12,544 sqft)
Owner	2 Individual Names on File
Last Sale	$2,200,000 (Apr 2016)
Tax Bill	$31,966 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`386-51-011`

Property Details

APN / Parcel Number

Primary APN	`386-51-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,311 sqft Living Area
1st Floor Area	2,311 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	12,544 sqft (0.288 acres)
Lot Dimensions	128 ft deep x 98 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	3,000 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12498 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 11
Legal Tract	5944
Legal Lot Number	11
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507500

Owner

12498 Sumner Dr is owned and occupied by two individuals who bought it in April 2016.

Source: Santa Clara County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12498 SUMNER DR, SARATOGA, CA 95070-3835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2016 · Amount on File
Deed Sale	Apr 29, 2016 · Amount on File
Prior Sale	Mar 29, 2007 · Amount on File
Deed Document Number	201623290740
Prior Transfer Date	Jul 22, 2011
Prior Transfer Doc	0021275264
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12498 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023613503
Date	Mar 30, 2017
Instrument	23613503

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 12498 Sumner Dr was $31,966 with a homeowner's exemption.

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		$2,656,436 (+2%) Land $1,992,329 Building $664,107
2025	$31,966.00 Homeowner's exemption	$2,604,350 Land $1,953,264 Building $651,086
2023	$30,863.00 (+1.44%) Homeowner's exemption	$2,503,221 Land $1,877,417 Building $625,804
2022	$30,425.00

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

Flood

FEMA maps place 12498 Sumner Dr 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
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

Wildfire risk around 12498 Sumner Dr is low, with a 0.01% annual chance of 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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