Santa Clara County property record for 20388 Clay St, Cupertino, CA 95014
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,738 sqft · built 1965 |
| Lot Size | 0.283 acres (12,320 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,025,000 (Dec 2016) |
| Tax Bill | $31,447 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 369-38-026 |
| Primary APN | 369-38-026 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,738 sqft Living Area |
| Gross Area | 2,393 sqft |
| 1st Floor Area | 2,393 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | H-Shape |
| Construction Type | Wood |
| Lot Area | 12,320 sqft (0.283 acres) |
| Lot Dimensions | 140 ft deep x 88 ft wide |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20388 CLAY ST |
|---|---|
| City | CUPERTINO |
| State | CA |
| Zip | 95014-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TRACT 3806 CUPERTINO CENTER BOOK 187 PAGE 40 LOT 12 |
| Legal Subdivision | CUPERTINO CENTER |
| Legal Tract | 3806 |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SAN JOSE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 508005 |
20388 Clay St is owned by a company that bought it in December 2016 and is owner-occupied.
Source: Santa Clara County records, as of July 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 20388 CLAY ST, CUPERTINO, CA 95014-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2016 · Amount on File |
| Deed Sale | Dec 2, 2016 · Amount on File |
| Deed Document Number | 201623516930 |
| Prior Transfer Date | Jul 23, 1990 |
| Prior Transfer Doc | 0012456569 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 20388 CLAY ST, CUPERTINO, CA 95014-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0024603628 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 24603628 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 20388 Clay St was $31,447 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 | Cupertino City |
| Elementary School District | Cupertino Union Elementary School District (KG - 08) |
| Secondary School District | Fremont Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,665,726 (+2%) Land $2,367,593 Building $298,133 | |
| 2025 | $31,447.00 Homeowner's exemption | $2,613,458 Land $2,321,170 Building $292,288 |
| 2023 | $28,470.00 (+1.32%) Homeowner's exemption | $2,352,976 Land $2,231,037 Building $121,939 |
| 2022 | $28,099.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 20388 Clay St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| 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.
The area around 20388 Clay St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 605 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| Ridge Wireless Fixed Wireless | 100 / 60 |
May also be available: GeoLinks, Sail Internet, T-Mobile.
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