12522 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12522 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,064 sqft · built 1978
Lot Size	0.301 acres (13,110 sqft)
Owner	Trust Name on File
Tax Bill	$11,351 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2017 Transfer
Flood Zone	Zone X (moderate risk)
APN	`386-51-009`

Property Details

APN / Parcel Number

Primary APN	`386-51-009`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,064 sqft Living Area
1st Floor Area	3,064 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	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	13,110 sqft (0.301 acres)
Lot Dimensions	95 ft deep x 138 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12522 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 9
Legal Tract	5944
Legal Lot Number	9
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507500

Owner

12522 Sumner Dr is owner-occupied and held in a trust since March 2017.

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

Owner of Record	Trust Name on File
Mailing Address	12522 SUMNER DR, SARATOGA, CA 95070-3835
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 30, 2017
Transfer Doc	0023615199
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12522 SUMNER DR, SARATOGA, CA 95070-3835
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12522 SUMNER DR, SARATOGA, CA 95070-3835

Mortgage

Document Number	0025270122
Date	Mar 28, 2022
Instrument	25270122

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 3, 2017
Property Address	12522 SUMNER DR, SARATOGA, CA 95070-3835
Document Number	0023615199
Instrument Date	Mar 30, 2017
Instrument	23615199
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12522 SUMNER DR SARATOGA CA 950703835, SARATOGA, CA 95070-3835

Tax Assessment & Valuation

The 2025 property tax bill for 12522 Sumner Dr was $11,351 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		$854,935 (+2%) Land $277,570 Building $577,365
2025	$11,351.00 Homeowner's exemption	$838,173 Land $272,128 Building $566,045
2023	$10,945.00 (+0.14%) Homeowner's exemption	$805,628 Land $261,562 Building $544,066
2022	$10,930.00

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

Flood

FEMA maps place 12522 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 12522 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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