Santa Clara County property record for 188 Bender Cir, Morgan Hill, CA 95037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1985 |
| Lot Size | 0.12 acres (5,208 sqft) |
| Owner | Trust Name on File |
| Last Sale | $585,000 (Feb 2005) |
| Tax Bill | $9,322 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Oct 2021 Transfer |
| Flood Zone | Zone AH (high risk) |
| APN | 764-11-014 |
| Primary APN | 764-11-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | L-Shape |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 5,208 sqft (0.12 acres) |
| Lot Dimensions | 93 ft deep x 56 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | None |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 188 BENDER CIR |
|---|---|
| City | MORGAN HILL |
| State | CA |
| Zip | 95037-3534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TRACT 7533 BOOK 524 PAGE 19 PAGE 20 LOT 65 |
| Legal Subdivision | TRACT NO 7533 |
| Legal Tract | 7533 |
| Legal Lot Number | 65 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 512314 |
188 Bender Cir is owner-occupied and held in a trust since February 2005.
Source: Santa Clara County records, as of July 27, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 188 BENDER CIR, MORGAN HILL, CA 95037-3534 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU |
| Oct 21, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2005 · Amount on File |
| Deed Sale | Feb 25, 2005 · Amount on File |
| Prior Sale | Nov 5, 2002 · Amount on File |
| Deed Document Number | 200518248011 |
| Prior Transfer Date | May 15, 1997 |
| Prior Transfer Doc | 0013713645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 188 BENDER CIR, MORGAN HILL, CA 95037-3534 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2022 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|---|
| Address | 188 BENDER CIR, MORGAN HILL, CA 95037-3534 |
| Document Number | 0025308418 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 25308418 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Oct 21, 2021 |
| Property Address | 188 BENDER CIR, MORGAN HILL, CA 95037-3534 |
| Document Number | 0025140265 |
| Map Reference | MB 524 PG 19&20 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 25140265 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 188 BENDER CIR, MORGAN HILL, CA 95037-3534 |
The 2025 property tax bill for 188 Bender Cir was $9,322 with a homeowner's exemption.
Source: Santa Clara County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | Morgan Hill City |
| Unified School District | Morgan Hill Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $831,728 (+2%) Land $332,689 Building $499,039 | |
| 2025 | $9,322.00 Homeowner's exemption | $815,420 Land $326,166 Building $489,254 |
| 2023 | $9,029.00 (+1.62%) Homeowner's exemption | $783,757 Land $313,501 Building $470,256 |
| 2022 | $8,885.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 188 Bender Cir in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 354.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 102 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 9 (2002–2019) |
| Most Recent Claim | Feb 2019 · rainfall accumulation |
| Claims by Event |
|
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 risk around 188 Bender Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MORGAN HILL serves 47,374 people · EPA ID CA4310006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Also Mapped Here | SANTA CLARA VALLEY WATER DISTRICT |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 669 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| Hankins Information Technology Fixed Wireless | 100 / 20 |
May also be available: GeoLinks, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures