181 Howes Dr, Los Gatos, CA 95032 Property Records

Santa Clara County property record for 181 Howes Dr, Los Gatos, CA 95032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,609 sqft · built 1965
Lot Size	0.122 acres (5,329 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Oct 2021)
Tax Bill	$22,678 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`527-43-024`

Property Details

APN / Parcel Number

Primary APN	`527-43-024`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,609 sqft Living Area
Gross Area	1,088 sqft
1st Floor Area	1,088 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,329 sqft (0.122 acres)
Lot Dimensions	83 ft deep x 73 ft wide
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	181 HOWES DR
City	LOS GATOS
State	CA
Zip	95032-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3035 CAMEO PARK BOOK 159 PAGE 20 PAGE 21 LOT 143
Legal Subdivision	CAMEO PARK
Legal Tract	3035
Legal Lot Number	143
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3004
Census Tract	506804

Owner

181 Howes Dr is owned and occupied by two individuals who bought it in October 2021.

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 File
Mailing Address	181 HOWES DR, LOS GATOS, CA 95032-4017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Grant Deed, Transfer · Conventional Mortgage FIRST TECHNOLOGY FEDERAL CU
Dec 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Prior Sale	Nov 7, 2003 · Amount on File
Deed Document Number	202125146283
Prior Transfer Date	Sep 16, 1996
Prior Transfer Doc	0013460460
Record Updated	Sep 20, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 27, 2021
Property Address	181 HOWES DR, LOS GATOS, CA 95032-4017
Document Number	0025146283
Map Reference	MB 159 PG 20&21
Instrument Date	Oct 14, 2021
Instrument	25146283
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	181 HOWES DR, LOS GATOS, CA 95032-4017

Mortgage

Document Number	0025146284
Date	Oct 27, 2021
Instrument	25146284

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	7.5%

Mortgage

Document Number	0025146285
Date	Oct 27, 2021
Instrument	25146285

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	181 HOWES DR, LOS GATOS, CA 95032-4017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023835844
Date	Dec 27, 2017
Instrument	23835844

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 181 Howes Dr was $22,678.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Los Gatos Town
Secondary School District	Campbell Union High School District (09 - 12)
Elementary School District	Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,777,668 (+4.16%) Land $1,353,040 Building $424,628
2025	$22,678.00	$1,706,652 Land $1,326,510 Building $380,142
2023	$19,978.00 (+2.26%)	$1,530,000 Land $1,275,000 Building $255,000
2022	$19,537.00

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

Flood

FEMA maps place 181 Howes Dr in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1996.

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	2 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1996 · Severe Storms, Flooding, Mud And Landslides

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 181 Howes Dr 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 659 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Sail Internet.

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