1286 Settle Ave, San Jose, CA 95125 Property Records

Santa Clara County property record for 1286 Settle Ave, San Jose, CA 95125

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,085 sqft · built 1990
Lot Size	0.102 acres (4,455 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,366 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone D (undetermined)
APN	`429-04-057`

Property Details

APN / Parcel Number

Primary APN	`429-04-057`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,085 sqft Living Area
1st Floor Area	913 sqft
2nd Floor Area	1,172 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,455 sqft (0.102 acres)
Lot Dimensions	135 ft deep x 33 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1286 SETTLE AVE
City	SAN JOSE
State	CA
Zip	95125-2361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	MAP A3 854
Legal Subdivision	SMITH VILLA
Legal Lot Number	14,15
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	6
Census Block	6003
Census Tract	502400

Owner

Source: Santa Clara County assessment roll, 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	2 Individual Names on File
Mailing Address	1286 SETTLE AVE, SAN JOSE, CA 95125-2361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIUM FIRST INC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 5, 1994
Transfer Doc	0012685084
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1286 SETTLE AVE, SAN JOSE, CA 95125-2361
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 SETTLE AVE, SAN JOSE, CA 95125-2361

Mortgage

Document Number	0025084026
Date	Aug 31, 2021
Instrument	25084026

Lender

Name	OPTIUM FIRST INC
Type	Non-Lending Institution
Address	FOUNTAIN VALLEY, CA 92708

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1286 SETTLE AVE, SAN JOSE, CA 95125-2361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 SETTLE AVE, SAN JOSE, CA 95125-2361

Mortgage

Document Number	0024704210
Date	Nov 16, 2020
Instrument	24704210

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	San Jose City
Unified School District	San Jose Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$660,462 (+2%) Land $294,354 Building $366,108
2025	$9,366.00 (+7.79%) Homeowner's exemption	$647,513 (+4.04%) Land $288,583 Building $358,930
2023	$8,689.00 (+1.01%) Homeowner's exemption	$622,372 Land $277,378 Building $344,994
2022	$8,602.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 72 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 units insured incl. 29 condo units

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	Not rated no burnable land within ember reach

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 827 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Etheric Communications, LLC. Fixed Wireless	250 / 100

May also be available: California Internet, Ridge Wireless, T-Mobile USA.

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