12551 Sumner Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 12551 Sumner Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,769 sqft · built 1978
Lot Size	0.309 acres (13,440 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Apr 1996)
Tax Bill	$18,984 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`386-51-034`

Property Details

APN / Parcel Number

Primary APN	`386-51-034`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,769 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 1978
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	13,440 sqft (0.309 acres)
Lot Dimensions	112 ft deep x 120 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	1,055 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	12551 SUMNER DR
City	SARATOGA
State	CA
Zip	95070-3836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1125
Legal Description	TRACT 5944 BOOK 395 PAGE 21 PAGE 22 LOT 34
Legal Subdivision	TRACT NO 5944
Legal Tract	5944
Legal Lot Number	34
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3003
Census Tract	507500

Owner

12551 Sumner Dr is owned and occupied by two individuals who acquired it in January 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	12551 SUMNER DR, SARATOGA, CA 95070-3836
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
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit KEYPOINT CU
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit KEYPOINT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 1996 · Amount on File
Deed Sale	Apr 25, 1996 · Amount on File
Deed Document Number	199613273076
Deed Book / Page	302 / 615
Last Transfer Date	Jan 24, 2001
Transfer Doc	0015564983
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12551 SUMNER DR, SARATOGA, CA 95070-3836
Transaction Type	Mortgage
Record Updated	Nov 2, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 SUMNER DR, SARATOGA, CA 95070-3836

Mortgage

Document Number	0025548827
Date	Oct 24, 2023
Instrument	25548827

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12551 SUMNER DR, SARATOGA, CA 95070-3836
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 SUMNER DR, SARATOGA, CA 95070-3836

Mortgage

Document Number	0024986832
Date	Jun 7, 2021
Instrument	24986832

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12551 SUMNER DR, SARATOGA, CA 95070-3836
Document Number	0023700811
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	CHICAGO TITLE-INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12551 SUMNER DR SARATOGA CA 950703836, SARATOGA, CA 95070-3836

Mortgage

Document Number	0023700811
Date	Jul 19, 2017
Instrument	23700811

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SANTA CLARA, CA 95055

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 12551 Sumner Dr was $18,984.

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		$1,457,899 (+2%) Land $593,064 Building $864,835
2025	$18,984.00	$1,429,314 Land $581,436 Building $847,878
2023	$18,291.00 (+25.16%)	$1,373,813 Land $558,859 Building $814,954
2022	$14,614.00

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

Flood

FEMA maps place 12551 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 12551 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 380 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Etheric Networks, GeoLinks, Ridge Wireless.

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