1645 Cortez St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 1645 Cortez St, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,100 sqft · built 1958
Lot Size	0.139 acres (6,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jan 2019)
Tax Bill	$11,429 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`026-11-080`

Property Details

APN / Parcel Number

Primary APN	`026-11-080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,045 sqft (0.139 acres)
Lot Dimensions	93 ft deep x 65 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1645 CORTEZ ST
City	MILPITAS
State	CA
Zip	95035-2866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUNNYHILLS LOT 108
Legal Subdivision	SUNNYHILLS
Legal Tract	1352
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1007
Census Tract	504422

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Jan 18, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Prior Sale	Jul 25, 1997 · Amount on Record
Deed Document Number	201924099800
Prior Transfer Date	Feb 6, 2016
Prior Transfer Doc	0023220300
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866

Mortgage

Document Number	0025368240
Date	Sep 6, 2022
Instrument	25368240

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 3, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866

Mortgage

Document Number	0024909089
Date	Apr 6, 2021
Instrument	24909089

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023558881
Date	Jan 17, 2017
Instrument	23558881

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2037

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024246302
Date	Aug 5, 2019
Instrument	24246302

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024416413
Date	Feb 28, 2020
Instrument	24416413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866

Mortgage

Document Number	0024606196
Date	Sep 9, 2020
Instrument	24606196

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 18, 2019
Property Address	1645 CORTEZ ST, MILPITAS, CA 95035-2866
Document Number	0024099800
Map Reference	MB 54 PG 39-41
Instrument Date	Jan 3, 2019
Instrument	24099800
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	158 SAGEMEADOW CT, MILPITAS, CA 95035-4439

Mortgage

Document Number	0024099801
Date	Jan 18, 2019
Instrument	24099801

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	Milpitas City
Unified School District	Milpitas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$995,594 (+2%) Land $807,856 Building $187,738
2025	$11,429.00 (+3.07%) Homeowner's exemption	$976,073 (+4.04%) Land $792,016 Building $184,057
2023	$11,089.00 (+0.42%) Homeowner's exemption	$938,173 Land $761,262 Building $176,911
2022	$11,043.00

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 Claims	1 (1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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	CITY OF MILPITAS serves 81,915 people · EPA ID CA4310005
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 742 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	530 / 115
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

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