12546 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12546 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,602 sqft · built 1978
Lot Size	0.344 acres (15,000 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Jan 1997)
Tax Bill	$15,350 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`386-51-001`

Property Details

APN / Parcel Number

Primary APN	`386-51-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,602 sqft Living Area
1st Floor Area	2,602 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	15,000 sqft (0.344 acres)
Lot Dimensions	100 ft deep x 150 ft wide
View / Lot	River
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12546 SUMNER DR
City	SARATOGA
State	CA
Zip	95070-3837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1125
Legal Description	TRACT 5944 BOOK 395 PAGE 21 PAGE 22 LOT 1
Legal Subdivision	TRACT NO 5944
Legal Tract	5944
Legal Lot Number	1
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	Company Name on Record
Mailing Address	12546 SUMNER DR, SARATOGA, CA 95070-3837
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 7, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 1997 · Amount on Record
Deed Sale	Jan 29, 1997 · Amount on Record
Deed Document Number	199713592544
Last Transfer Date	Oct 12, 2002
Transfer Doc	0016769089
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12546 SUMNER DR, SARATOGA, CA 95070-3837
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12546 SUMNER DR, SARATOGA, CA 95070-3837

Mortgage

Document Number	0025118345
Date	Sep 30, 2021
Instrument	25118345

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12546 SUMNER DR, SARATOGA, CA 95070-3837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12546 SUMNER DR, SARATOGA, CA 95070-3837

Mortgage

Document Number	0024736713
Date	Dec 7, 2020
Instrument	24736713

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,204,401 (+2%) Land $541,897 Building $662,504
2025	$15,350.00 (+3.65%) Homeowner's exemption	$1,180,786 (+4.04%) Land $531,272 Building $649,514
2023	$14,809.00 (+0.66%) Homeowner's exemption	$1,134,937 Land $510,643 Building $624,294
2022	$14,712.00

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 402 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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