2009 Cunningham Ct, San Jose, CA 95148 Property Records

Santa Clara County property record for 2009 Cunningham Ct, San Jose, CA 95148

Property Summary

Property Type	Single Family Home
Details	8 bd · 8.5 ba · 5,174 sqft · built 2020
Lot Size	0.223 acres (9,699 sqft)
Owner	2 Company Names on Record
Last Sale	$615,000 (Apr 2019)
Tax Bill	$31,102 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`491-32-044`

Property Details

APN / Parcel Number

Primary APN	`491-32-044`

Interior

Bedrooms	8 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	5,174 sqft Living Area
Gross Area	4,302 sqft
1st Floor Area	2,149 sqft
2nd Floor Area	2,153 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	9,699 sqft (0.223 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2009 CUNNINGHAM CT
City	SAN JOSE
State	CA
Zip	95148-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B6
Legal Description	TRACT 9527 FILLMORE TRACT BOOK 781 PAGE 19 PAGE 20 LOT 1
Legal Subdivision	FILLMORE TR
Legal Tract	9527
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1003
Census Tract	503511

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 1, 2017	Intrafamily Transfer, Transfer · ARM US BANK NA
Jan 4, 2017	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2019 · Amount on Record
Deed Sale	Apr 8, 2019 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	201924151461
Prior Transfer Date	Jun 21, 2016
Prior Transfer Doc	0023343783
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153

Mortgage

Document Number	0025187288
Date	Dec 7, 2021
Instrument	25187288

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Dec 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4%
Index	Other
Max Rate	7%

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 1, 2017
Property Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153
Document Number	0023716114
Map Reference	VOL C PG57
Instrument Date	Jul 27, 2017
Instrument	23716114
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1358 OAKLAND RD SPC 83, 83, SAN JOSE, CA 95112-1357

Mortgage

Document Number	0023716115
Date	Aug 1, 2017
Instrument	23716115

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	9%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 4, 2017
Property Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153
Document Number	0023551029
Map Reference	MAP C PG57
Instrument Date	Dec 12, 2016
Instrument	23551029
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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
Address	2009 CUNNINGHAM CT, SAN JOSE, CA 95148-1153

Mortgage

Document Number	0023551030
Date	Jan 4, 2017
Instrument	23551030

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2020
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

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	San Jose City
Elementary School District	Alum Rock Union Elementary School District (KG - 08)
Secondary School District	East Side Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,325,417 (+2%) Land $699,761 Building $1,625,656
2025	$31,102.00 (+19.65%) Homeowner's exemption	$2,279,822 (+20.48%) Land $686,041 Building $1,593,781
2023	$25,995.00 (+4.6%) Homeowner's exemption	$1,892,276 (+2%) Land $659,402 Building $1,232,874
2022	$24,851.00 Homeowner's exemption	$1,855,173 Land $646,473 Building $1,208,700

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	9 (1981–2022)
Most Recent Claim	Mar 2022 · other causes

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 98% of the US · lower than 98.4% 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Sail Internet Fixed Wireless	500 / 100
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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