13098 Water St, San Jose, CA 95111 Property Records

Santa Clara County property record for 13098 Water St, San Jose, CA 95111

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,542 sqft · built 1951
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on File
Last Sale	$1,092,000 (May 2021)
Tax Bill	$20,556 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Mortgage + 6 more
Flood Zone	Zone D (undetermined)
APN	`497-09-065`

Property Details

APN / Parcel Number

Primary APN	`497-09-065`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	354 sqft
1st Floor Area	354 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Area	360 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	13098 WATER ST
City	SAN JOSE
State	CA
Zip	95111-3360
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 5 LOT 11
Legal Subdivision	MONTEREY MANOR
Legal Tract	875
Legal Block	5
Legal Lot Number	11
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2014
Census Tract	503220

Owner

13098 Water St is owned by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	14517 MERCED ST, SAN LEANDRO, CA 94579-1056
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
Sep 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Sep 12, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 15, 2021	Grant Deed, Transfer
May 28, 2021	Grant Deed, Transfer CYPRESS CRK TITLE CORPORATION, CYPRESS TITLE CORPORATION
Nov 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 27, 2018	Trustee's Deed, Foreclosure OTHER
Jun 29, 2017	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Jul 27, 2018 · Amount on File
Deed Document Number	202124978878
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	0024713997
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14517 MERCED ST, SAN LEANDRO, CA 94579-1056

Mortgage

Document Number	0025874196
Date	Sep 24, 2025
Instrument	25874196

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	6 POINTE DR STE 300, BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 12, 2023
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0025529584
Map Reference	MB 33 PG 44&45
Instrument Date	Sep 8, 2023
Instrument	25529584
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4517 MERCED STREET, SAN LEANDRO, CA 94579

Mortgage

Document Number	0025529585
Date	Sep 12, 2023
Instrument	25529585

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 15, 2021
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0025195587
Map Reference	MB 33 PG 44&45
Instrument Date	Dec 9, 2021
Instrument	25195587
Transaction Type	Transfer
Record Updated	Dec 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14517 MERCED ST, SAN LEANDRO, CA 94579-1056

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 28, 2021
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0024978878
Map Reference	MB 33 PG 44&45
Instrument Date	May 25, 2021
Instrument	24978878
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	CYPRESS CRK TITLE CORPORATION, CYPRESS TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14517 MERCED ST, SAN LEANDRO, CA 94579-1056

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 19, 2020
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0024713997
Instrument Date	Oct 16, 2020
Instrument	24713997
Transaction Type	Transfer
Record Updated	Dec 3, 2020
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	Revocable Trust
Address	5682 SAN JUAN WAY PLEASANTON CA 945667766, PLEASANTON, CA 94566-7766

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 19, 2020
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0024713996
Instrument Date	Oct 16, 2020
Instrument	24713996
Transaction Type	Transfer
Record Updated	Dec 3, 2020
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	Community Property
Address	5682 SAN JUAN WAY PLEASANTON CA 945667766, PLEASANTON, CA 94566-7766

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 27, 2018
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0023991780
Instrument Date	Jul 18, 2018
Instrument	23991780
Transaction Type	Foreclosure
Record Updated	Aug 7, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$755.70
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5682 SAN JUAN WAY PLEASANTON CA 945667766, PLEASANTON, CA 94566-7766

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 29, 2017
Property Address	13098 WATER ST, SAN JOSE, CA 95111-3360
Document Number	0023686585
Instrument Date	Jun 21, 2017
Instrument	23686585
Transaction Type	Foreclosure
Record Updated	Jul 11, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$237.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2618 SAN MIGUEL DR #316 NEWPORT BEACH CA 926605437, 316, NEWPORT BEACH, CA 92660-5437

Tax Assessment & Valuation

The 2025 property tax bill for 13098 Water St was $20,556, up 19.5% from the year before.

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
Secondary School District	East Side Union High School District (09 - 12)
Elementary School District	Franklin-McKinley Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,436,173 (+2%) Land $828,060 Building $608,113
2025	$20,556.00 (+19.47%)	$1,408,014 Land $811,824 Building $596,190
2024	$17,206.00 (+1.18%)
2023	$17,006.00 (+2.34%)	$1,136,116 Land $780,300 Building $355,816
2022	$16,617.00

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

Flood

FEMA maps place 13098 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.

Wildfire

The area around 13098 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.

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 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.

Nearby Properties on Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures