20412 Cunningham Pl, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20412 Cunningham Pl, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,752 sqft · built 1978
Lot Size	0.338 acres (14,703 sqft)
Owner	2 Trust Names on File
Last Sale	$4,600,500 (Jun 2025)
Tax Bill	$47,171 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`393-02-028`

Property Details

APN / Parcel Number

Primary APN	`393-02-028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,752 sqft Living Area
1st Floor Area	2,752 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	14,703 sqft (0.338 acres)
Lot Dimensions	147 ft deep x 100 ft wide
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20412 CUNNINGHAM PL
City	SARATOGA
State	CA
Zip	95070-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R125
Legal Description	TRACT 6199 BOOK 413 PAGE 55 PAGE 56 LOT 14
Legal Tract	6199
Legal Lot Number	14
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	507500

Owner

20412 Cunningham Pl is owner-occupied and held in a trust since June 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	20412 CUNNINGHAM PL, SARATOGA, CA 95070-4327
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jun 24, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jun 27, 2025	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Deed Document Number	202525827839
Prior Transfer Date	Apr 8, 2024
Prior Transfer Doc	0025623050
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 24, 2026
Property Address	20412 CUNNINGHAM PL, SARATOGA, CA 95070-4327
Document Number	0026008134
Instrument Date	Jun 14, 2026
Instrument	202626008134
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	20412 CUNNINGHAM PL, SARATOGA, CA 95070-4327
Investor	Possibly a Property Investor

June 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 27, 2025
Property Address	20412 CUNNINGHAM PL, SARATOGA, CA 95070-4327
Document Number	0025827839
Map Reference	MB 413 PG 55 & 56
Instrument Date	Jun 23, 2025
Instrument	25827839
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,060.55
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3418 VICTORIA AVE, SANTA CLARA, CA 95051-2704
Investor	Possibly a Property Investor

Mortgage

Document Number	0025827840
Date	Jun 27, 2025
Instrument	25827840

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	10.6%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 27, 2018
Property Address	20412 CUNNINGHAM PL, SARATOGA, CA 95070-4327
Document Number	0023876083
Instrument Date	Jan 18, 2018
Instrument	23876083
Transaction Type	Transfer
Record Updated	Mar 7, 2018
Title Company	ATTORNEY ONLY

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	6081 GOLDEN CENTER CT #315 PLACERVILLE CA 956676263, 315, PLACERVILLE, CA 95667-6263

Tax Assessment & Valuation

The 2025 property tax bill for 20412 Cunningham Pl was $47,171.

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		$4,692,420 (+17.66%) Land $4,080,000 Building $612,420
2025	$47,171.00	$3,988,200 Land $3,847,440 Building $140,760
2023	$13,654.00 (+1.96%)	$1,050,865 Land $459,748 Building $591,117
2022	$13,392.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20412 Cunningham Pl in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20412 Cunningham Pl is low, with a 0.01% annual chance of 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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: AT&T, Ridge Wireless, T-Mobile.

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