193 Howes Dr, Los Gatos, CA 95032 Property Records

Santa Clara County property record for 193 Howes Dr, Los Gatos, CA 95032

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,088 sqft · built 1965
Lot Size	0.166 acres (7,225 sqft)
Owner	Trust Name on File
Last Sale	$1,290,000 (Sep 2018)
Tax Bill	$18,917 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2022 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`527-43-021`

Property Details

APN / Parcel Number

Primary APN	`527-43-021`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
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	7,225 sqft (0.166 acres)
Lot Dimensions	85 ft deep x 85 ft wide
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	193 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 140
Legal Subdivision	CAMEO PARK
Legal Tract	3035
Legal Lot Number	140
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3004
Census Tract	506804

Owner

193 Howes Dr is owner-occupied and held in a trust since October 2019.

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

Owner of Record	Trust Name on File
Mailing Address	193 HOWES DR, LOS GATOS, CA 95032-4017
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING INC
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 24, 2018	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Apr 15, 2005 · Amount on File
Deed Document Number	201824029417
Last Transfer Date	Oct 15, 2019
Transfer Doc	0024352433
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 10, 2026
Property Address	193 HOWES DR, LOS GATOS, CA 95032-4017
Document Number	0025970692
Instrument Date	Mar 26, 2026
Instrument	202625970692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	193 HOWES DR, LOS GATOS, CA 95032-4017

Mortgage

Document Number	0025970692,
Date	Apr 10, 2026
Instrument	202625970692

Lender

Name	COMERICA BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	193 HOWES DR, LOS GATOS, CA 95032-4017
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 HOWES DR, LOS GATOS, CA 95032-4017

Mortgage

Document Number	0025279623
Date	Apr 11, 2022
Instrument	25279623

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	193 HOWES DR, LOS GATOS, CA 95032-4017
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 HOWES DR, LOS GATOS, CA 95032-4017

Mortgage

Document Number	0024871780
Date	Mar 12, 2021
Instrument	24871780

Lender

Name	ARCUS LENDING INC
Type	Mortgage Company
Address	SAN JOSE, CA 95128

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	193 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	0024370055
Date	Dec 31, 2019
Instrument	24370055

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 9, 2019
Property Address	193 HOWES DR, LOS GATOS, CA 95032-4017
Document Number	0024352433
Instrument Date	Oct 15, 2019
Instrument	24352433
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	193 HOWES DR LOS GATOS CA 950324017, LOS GATOS, CA 95032-4017

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 24, 2018
Property Address	193 HOWES DR, LOS GATOS, CA 95032-4017
Document Number	0024029417
Map Reference	MB159 PG20&21
Instrument Date	Sep 11, 2018
Instrument	24029417
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CORNERSTONE TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	193 HOWES DR, LOS GATOS, CA 95032-4017

Mortgage

Document Number	0024029418
Date	Sep 24, 2018
Instrument	24029418

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 193 Howes Dr was $18,917, up 2.4% from the year before.

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		$1,467,795 (+2%) Land $1,308,501 Building $159,294
2025	$18,917.00 (+2.43%)	$1,439,016 Land $1,282,845 Building $156,171
2024	$18,469.00 (+1.72%)
2023	$18,156.00 (+2.24%)	$1,383,139 Land $1,233,032 Building $150,107
2022	$17,759.00

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

Flood

FEMA maps place 193 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 193 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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