13654 Old Tree Way, Saratoga, CA 95070 Property Records

Santa Clara County property record for 13654 Old Tree Way, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,481 sqft · built 1960
Lot Size	0.263 acres (11,475 sqft)
Owner	2 Individual Names on File
Last Sale	$4,000,000 (Mar 2024)
Tax Bill	$47,441 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`393-37-003`

Property Details

APN / Parcel Number

Primary APN	`393-37-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,481 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	2,128 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	11,475 sqft (0.263 acres)
Lot Dimensions	135 ft deep x 85 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	13654 OLD TREE WAY
City	SARATOGA
State	CA
Zip	95070-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Description	TRACT 2428 SARATOGA VILLAGE BOOK 112 PAGE 42 LOT 57
Legal Subdivision	SARATOGA VILLAGE
Legal Tract	2428
Legal Lot Number	57
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1000
Census Tract	507500

Owner

13654 Old Tree Way is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416
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
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 8, 2024	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Jun 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Dec 6, 2018	Deed of Trust, Mortgage 4950000

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2024 · Amount on File
Deed Sale	Mar 8, 2024 · Amount on File
Deed Document Number	202425607470
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416

Mortgage

Document Number	0025908034
Date	Nov 21, 2025
Instrument	25908034

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 8, 2024
Property Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416
Document Number	0025607470
Instrument Date	Mar 5, 2024
Instrument	25607470
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0025607471
Date	Mar 8, 2024
Instrument	25607471

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Index	Other
Margin	3
Max Rate	11.7%

Mortgage

Document Number	0025607471
Date	Mar 8, 2024
Instrument	25607471

Lender

Name	PNC BANK NA
Type	Bank
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Index	Other
Margin	3
Max Rate	11.7%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13854 OLD TREE WAY, SARATOGA, CA 95070

Mortgage

Document Number	0024983621
Date	Jun 3, 2021
Instrument	24983621

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	860 Months
Due	Feb 22, 2093

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	13654 OLD TREE WAY, SARATOGA, CA 95070-5416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024076829
Date	Dec 6, 2018
Instrument	24076829

Lender

Name	4950000
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13654 Old Tree Way was $47,441 with a homeowner's exemption.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Saratoga City
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)
Elementary School District	Saratoga Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$4,161,600 (+2%) Land $3,823,470 Building $338,130
2025	$47,441.00 Homeowner's exemption	$4,080,000 Land $3,748,500 Building $331,500
2023	$6,537.00 (+2.41%) Homeowner's exemption	$483,243 Land $114,572 Building $368,671
2022	$6,383.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 13654 Old Tree Way in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 13654 Old Tree Way is low, with less than 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 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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