Santa Clara County property record for 12973 Water St, San Jose, CA 95111
| Property Type | Single Family Home |
|---|---|
| Details | 9 bd · 5 ba · 3,762 sqft · built 1951 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $358,000 (Oct 2012) |
| Tax Bill | $7,614 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone D (undetermined) |
| APN | 497-09-047 |
| Primary APN | 497-09-047 |
|---|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 14 Rooms |
| Stories | 1 Story |
| Building Area | 3,762 sqft Living Area |
| Gross Area | 1,118 sqft |
| 1st Floor Area | 1,118 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Tar & Gravel |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12973 WATER ST |
|---|---|
| City | SAN JOSE |
| State | CA |
| Zip | 95111-3359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-8 |
| Legal Description | TRACT 875 MONTEREY MANOR BOOK 33 PAGE 44 PAGE 45 BLOCK 4 LOT 29 |
| Legal Subdivision | MONTEREY MANOR |
| Legal Tract | 875 |
| Legal Block | 4 |
| Legal Lot Number | 29 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SAN JOSE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 503220 |
12973 Water St is owned and occupied by two individuals who bought it in October 2012.
Source: Santa Clara County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12973 WATER ST, SAN JOSE, CA 95111-3359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 28, 2023 | Deed of Trust, Mortgage · Line of Credit STAR ONE CU |
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2012 · Amount on File |
| Deed Sale | Oct 12, 2012 · Amount on File |
| Prior Sale | Aug 29, 2011 · Amount on File |
| Deed Document Number | 201221898676 |
| Prior Transfer Date | Jun 22, 2004 |
| Prior Transfer Doc | 0017874776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 12973 WATER ST, SAN JOSE, CA 95111-3359 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 12973 WATER ST, SAN JOSE, CA 95111-3359 |
| Document Number | 0025442891 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 25442891 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 303 Months |
| Due | May 3, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 12973 WATER ST, SAN JOSE, CA 95111-3359 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 121973 WATRE STREET, SAN JOSE, CA 95111 |
| Document Number | 0025078569 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 25078569 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
The 2025 property tax bill for 12973 Water St was $7,614 with a homeowner's exemption.
Source: Santa Clara County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | San Jose City |
| Secondary School District | East Side Union High School District (09 - 12) |
| Elementary School District | Franklin-McKinley Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $449,656 (+2%) Land $359,729 Building $89,927 | |
| 2025 | $7,614.00 Homeowner's exemption | $440,840 Land $352,676 Building $88,164 |
| 2023 | $7,137.00 (+2.13%) Homeowner's exemption | $423,724 Land $338,982 Building $84,742 |
| 2022 | $6,988.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12973 Water St in Zone D, where flood risk has not been studied.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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.
The area around 12973 Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 546 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Sail Internet Fixed Wireless | 800 / 160 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| Ridge Wireless Fixed Wireless | 100 / 60 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GeoLinks.
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