18681 Vessing Rd, Saratoga, CA 95070 Property Records

Santa Clara County property record for 18681 Vessing Rd, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,464 sqft · built 2009
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,200,000 (Oct 2021)
Tax Bill	$92,905 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`397-05-086`

Property Details

APN / Parcel Number

Primary APN	`397-05-086`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,464 sqft Living Area
1st Floor Area	4,464 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	54,450 sqft
Garage Area	824 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18681 VESSING RD
City	SARATOGA
State	CA
Zip	95070-5680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R140
Legal Description	LOT B
Legal Lot Number	B
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	5
Census Block	5005
Census Tract	507301

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	18681 VESSING RD, SARATOGA, CA 95070-5680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 7, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Sep 25, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	May 26, 2005 · Amount on Record
Deed Document Number	202125130262
Prior Transfer Date	Apr 26, 2013
Prior Transfer Doc	0022206238
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 12, 2021
Property Address	18681 VESSING RD, SARATOGA, CA 95070-5613
Document Number	0025130262
Map Reference	MB 442 PG 41
Instrument Date	Oct 4, 2021
Instrument	25130262
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	18681 VESSING RD, SARATOGA, CA 95070-5613

Mortgage

Document Number	0025130263
Date	Oct 12, 2021
Instrument	25130263

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	18681 VESSING RD, SARATOGA, CA 95070-5613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024129828
Date	Mar 7, 2019
Instrument	24129828

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	18681 VESSING RD, SARATOGA, CA 95070-5613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024288961
Date	Sep 25, 2019
Instrument	24288961

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

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
Elementary School District	Campbell Union Elementary School District (KG - 08)
Secondary School District	Campbell Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$7,793,509 (+2%) Land $4,437,971 Building $3,355,538
2025	$92,905.00 (+4.83%) Homeowner's exemption	$7,640,696 (+4.04%) Land $4,350,952 Building $3,289,744
2023	$88,621.00 (+1.17%) Homeowner's exemption	$7,344,000 Land $4,182,000 Building $3,162,000
2022	$87,596.00

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 95% of the US · lower than 97% 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL	100 / 20

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

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