14965 Sobey Rd, Saratoga, CA 95070 Property Records

Santa Clara County property record for 14965 Sobey Rd, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,263 sqft · built 1985
Lot Size	1.15 acres (50,529 sqft)
Owner	Company Name on Record
Tax Bill	$19,225 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`397-07-086`

Property Details

APN / Parcel Number

Primary APN	`397-07-086`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,263 sqft Living Area
1st Floor Area	4,043 sqft
2nd Floor Area	1,220 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1986
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	50,529 sqft
Garage Area	1,140 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14965 SOBEY RD
City	SARATOGA
State	CA
Zip	95070-6288
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R140
Legal Description	LOT A
Legal Subdivision	PARCEL A
Legal Lot Number	A
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	5
Census Block	5014
Census Tract	507301

Owner

Source: Santa Clara County records, 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	Company Name on Record
Mailing Address	14965 SOBEY RD, SARATOGA, CA 95070-6288
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Aug 5, 2019	Deed of Trust, Mortgage QUICKEN LNS
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 30, 2011
Transfer Doc	0021479048
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	14965 SOBEY RD, SARATOGA, CA 95070-6288
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14965 SOBEY RD, SARATOGA, CA 95070-6288

Mortgage

Document Number	0025153353
Date	Nov 3, 2021
Instrument	25153353

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Dec 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.7%
Index	Other
Margin	3
Max Rate	7.7%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	14965 SOBEY RD, SARATOGA, CA 95070-6288
Document Number	0024251463
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14965 SOBEY RD SARATOGA CA 950706288, SARATOGA, CA 95070-6288

Mortgage

Document Number	0024251463
Date	Aug 12, 2019
Instrument	24251463

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.95%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	14965 SOBEY RD, SARATOGA, CA 95070-6288
Document Number	0024254382
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	14965 SOBEY RD SARATOGA CA 950706288, SARATOGA, CA 95070-6288

Mortgage

Document Number	0024254382
Date	Aug 13, 2019
Instrument	24254382

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	14965 SOBEY RD, SARATOGA, CA 95070-6288
Document Number	0024355637
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14965 SOBEY RD SARATOGA CA 950706288, SARATOGA, CA 95070-6288

Mortgage

Document Number	0024355637
Date	Dec 11, 2019
Instrument	24355637

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

Interest

Rate Type	Adjustable Rate

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	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		$1,636,487 (+2%) Land $491,272 Building $1,145,215
2025	$19,225.00 (+2.08%) Homeowner's exemption	$1,604,400 (+4.04%) Land $481,640 Building $1,122,760
2023	$18,834.00 (+2.02%) Homeowner's exemption	$1,542,102 Land $462,939 Building $1,079,163
2022	$18,461.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1983–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

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

Cell Coverage

5G (outdoors only) and 4G LTE

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