20431 Walnut Ave, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20431 Walnut Ave, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,305 sqft · built 2004
Lot Size	0.175 acres (7,600 sqft)
Owner	Trust Name on File
Last Sale	$2,065,000 (Apr 2005)
Tax Bill	$33,963 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`397-28-002`

Property Details

APN / Parcel Number

Primary APN	`397-28-002`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,305 sqft Living Area
1st Floor Area	1,467 sqft
2nd Floor Area	1,025 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	H-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,600 sqft (0.175 acres)
Lot Dimensions	152 ft deep x 50 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20431 WALNUT AVE
City	SARATOGA
State	CA
Zip	95070-5426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Description	LOT 40
Legal Subdivision	WILLIAMS SUB
Legal Lot Number	40
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1005
Census Tract	507500

Owner

20431 Walnut Ave is owner-occupied and held in a trust since November 2010.

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

Owner of Record	Trust Name on File
Mailing Address	20431 WALNUT AVE, SARATOGA, CA 95070-5426
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2005 · Amount on File
Deed Sale	Apr 15, 2005 · Amount on File
Prior Sale	Dec 13, 2000 · Amount on File
Deed Document Number	200518327364
Last Transfer Date	Nov 17, 2010
Transfer Doc	0020995351
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20431 WALNUT AVE, SARATOGA, CA 95070-5426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 WALNUT AVE, SARATOGA, CA 95070-5426

Mortgage

Document Number	0024803713
Date	Jan 27, 2021
Instrument	24803713

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 26, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20431 Walnut Ave was $33,963 with a homeowner's exemption.

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		$2,935,993 (+2%) Land $1,421,790 Building $1,514,203
2025	$33,963.00 Homeowner's exemption	$2,878,425 Land $1,393,912 Building $1,484,513
2023	$33,318.00 (+2.08%) Homeowner's exemption	$2,766,654 Land $1,339,786 Building $1,426,868
2022	$32,639.00

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

Flood

FEMA maps place 20431 Walnut Ave in Zone X, an area of moderate flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

Wildfire risk around 20431 Walnut Ave 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 387 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, GeoLinks, Ridge Wireless, T-Mobile.

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