12510 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12510 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,121 sqft · built 1978
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$4,075,000 (Aug 2021)
Tax Bill	$52,880 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`386-51-010`

Property Details

APN / Parcel Number

Primary APN	`386-51-010`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,121 sqft Living Area
Gross Area	2,922 sqft
1st Floor Area	1,670 sqft
2nd Floor Area	1,252 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	H-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12510 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 10
Legal Subdivision	TRACT NO 5944
Legal Tract	5944
Legal Lot Number	10
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507500

Owner

12510 Sumner Dr is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12510 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

Date	Document
Aug 9, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 26, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on File
Deed Sale	Aug 9, 2021 · Amount on File
Prior Sale	Jul 15, 2010 · Amount on File
Deed Document Number	202125057502
Prior Transfer Date	Oct 17, 2006
Prior Transfer Doc	0019375823
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2021
Property Address	12510 SUMNER DR, SARATOGA, CA 95070-3835
Document Number	0025057502
Map Reference	MB 395 PG 21&22
Instrument Date	Jul 29, 2021
Instrument	25057502
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	2098 ARROWOOD LN, SAN JOSE, CA 95130-1701

Mortgage

Document Number	0025057503
Date	Aug 9, 2021
Instrument	25057503

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12510 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12510 SUMNER DR, SARATOGA, CA 95070-3835

Mortgage

Document Number	0024913666
Date	Apr 9, 2021
Instrument	24913666

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12510 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023786151
Date	Oct 26, 2017
Instrument	23786151

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 12510 Sumner Dr was $52,880 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		$4,484,132 (+2%) Land $3,572,025 Building $912,107
2025	$52,880.00 Homeowner's exemption	$4,396,209 Land $3,501,986 Building $894,223
2023	$50,531.00 (+2.1%)	$4,172,500 Land $3,366,000 Building $806,500
2022	$49,494.00

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

Flood

FEMA maps place 12510 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 12510 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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