189 Smith Ranch Ct, Los Gatos, CA 95032 Property Records

Santa Clara County property record for 189 Smith Ranch Ct, Los Gatos, CA 95032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,153 sqft · built 2005
Lot Size	0.089 acres (3,906 sqft)
Owner	Individual Name on File
Last Sale	$1,460,000 (Jul 2015)
Tax Bill	$21,036 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`409-20-026`

Property Details

APN / Parcel Number

Primary APN	`409-20-026`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,153 sqft Living Area
1st Floor Area	882 sqft
2nd Floor Area	1,271 sqft
Family Room	Family Room

Exterior

Year Built	Built 2005
Architectural Style	Other
Construction Type	Wood
Lot Area	3,906 sqft (0.089 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	189 SMITH RANCH CT
City	LOS GATOS
State	CA
Zip	95032-1839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 9521 LOT 18
Legal Subdivision	VASONA PARK
Legal Tract	9521
Legal Lot Number	18
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507205

Owner

Source: Santa Clara County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	189 SMITH RANCH CT, LOS GATOS, CA 95032-1839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2015 · Amount on Record
Deed Sale	Jul 14, 2015 · Amount on Record
Prior Sale	Dec 14, 2004
Deed Document Number	23015934
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	189 SMITH RANCH CT, LOS GATOS, CA 95032-1839
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 SMITH RANCH CT, LOS GATOS, CA 95032-1839

Mortgage

Document Number	0025213391
Date	Jan 6, 2022
Instrument	25213391

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	189 SMITH RANCH CT, LOS GATOS, CA 95032-1839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 SMITH RANCH CT, LOS GATOS, CA 95032-1839

Mortgage

Document Number	0024680070
Date	Oct 30, 2020
Instrument	24680070

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$21,036.00 (+5.6%) Homeowner's exemption	$1,728,340 (+4.04%) Land $1,041,740 Building $686,600
2023	$19,921.00 (+0.68%) Homeowner's exemption	$1,661,229 Land $1,001,289 Building $659,940
2022	$19,787.00

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	6 in force
Nearby Flood Claims	4 (1992–1997)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

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	Not rated no burnable land within ember reach

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 273 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
Verizon Fixed Wireless	300 / 20
Etheric Communications, LLC. Fixed Wireless	250 / 100
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: California Internet, Ridge Wireless.

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