20281 Chateau Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20281 Chateau Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,241 sqft · built 1954
Lot Size	0.285 acres (12,416 sqft)
Owner	Company Name on Record
Last Sale	$1,380,000 (Jul 2011)
Tax Bill	$30,488 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`393-08-027`

Property Details

APN / Parcel Number

Primary APN	`393-08-027`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,241 sqft Living Area
1st Floor Area	3,241 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2013
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	12,416 sqft (0.285 acres)
Lot Dimensions	128 ft deep x 97 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	2,080 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20281 CHATEAU DR
City	SARATOGA
State	CA
Zip	95070-4353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R112
Legal Description	TRACT 1167 ARGONAUT PLACE BOOK 44 PAGE 30 PAGE 31 LOT 28
Legal Subdivision	ARGONAUT PLACE
Legal Tract	1167
Legal Lot Number	28
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3015
Census Tract	507500

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	Company Name on Record
Mailing Address	20281 CHATEAU DR, SARATOGA, CA 95070-4353
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
Apr 30, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2011 · Amount on Record
Deed Sale	Jul 8, 2011 · Amount on Record
Prior Sale	Dec 9, 1997 · Amount on Record
Deed Document Number	201121232339
Last Transfer Date	Feb 26, 2014
Transfer Doc	0022537093
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 7, 2026
Property Address	20281 CHATEAU DR, SARATOGA, CA 95070-4353
Document Number	0025968778
Instrument Date	Apr 2, 2026
Instrument	202625968778
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	20281 CHATEAU DR, SARATOGA, CA 95070-4353

Mortgage

Document Number	0025968778,
Date	Apr 7, 2026
Instrument	202625968778

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20281 CHATEAU DR, SARATOGA, CA 95070-4353
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023921219
Date	Apr 30, 2018
Instrument	23921219

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

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
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)
Elementary School District	Saratoga Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,609,931 (+2%) Land $1,748,802 Building $861,129
2025	$30,488.00 (+1.14%) Homeowner's exemption	$2,558,757 (+4.04%) Land $1,714,512 Building $844,245
2024	$30,143.00 (+1.05%)
2023	$29,830.00 (+2.2%) Homeowner's exemption	$2,459,400 Land $1,647,937 Building $811,463
2022	$29,189.00

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	1 in force

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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