20486 Pierce Rd, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20486 Pierce Rd, Saratoga, CA 95070

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,085 sqft · built 1987
Lot Size	0.028 acres (1,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,070,000 (Oct 2025)
Tax Bill	$21,543 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`393-01-037`

Property Details

APN / Parcel Number

Primary APN	`393-01-037`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,085 sqft Living Area
1st Floor Area	869 sqft
2nd Floor Area	1,216 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	1,196 sqft (0.028 acres)
Lot Dimensions	60 ft deep x 40 ft wide
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20486 PIERCE RD
City	SARATOGA
State	CA
Zip	95070-3800
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1PD
Legal Description	TRACT 8058 CONDO OF BOOK 579 PAGE 49 PAGE 50
Legal Subdivision	TRACT NO 8058
Legal Tract	8058
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3010
Census Tract	507500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 1, 2025	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 14, 2023	Intrafamily Transfer, Transfer
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	202525877398
Prior Transfer Date	Jul 13, 2023
Prior Transfer Doc	0025518033
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Investor	Possibly a Property Investor

Mortgage

Document Number	0025162232
Date	Nov 12, 2021
Instrument	25162232

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7%
Index	Other
Max Rate	7%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Investor	Possibly a Property Investor

Mortgage

Document Number	0024967432
Date	May 20, 2021
Instrument	24967432

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 1, 2025
Property Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Document Number	0025877398
Map Reference	MB 579 PG 49 & 50
Instrument Date	Sep 12, 2025
Instrument	25877398
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,277.00
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	20486 PIERCE RD, SARATOGA, CA 95070-3800

Mortgage

Document Number	0025877399
Date	Oct 1, 2025
Instrument	25877399

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	Other
Max Rate	10.2%

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 14, 2023
Property Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Document Number	0025518033
Map Reference	MB 579 PG 49&50
Instrument Date	Jul 13, 2023
Instrument	25518033
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20486 PIERCE RD, SARATOGA, CA 95070-3800

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20486 PIERCE RD, SARATOGA, CA 95070-3800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20486 PIERCE RD, SARATOGA, CA 95070-3800

Mortgage

Document Number	0024622050
Date	Sep 21, 2020
Instrument	24622050

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

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		$2,070,000 (+16.57%) Land $1,035,000 Building $1,035,000
2025	$21,543.00 (+2.79%)	$1,775,688 (+4.04%) Land $1,420,552 Building $355,136
2023	$20,959.00 (+2.21%) Homeowner's exemption	$1,706,739 Land $1,365,392 Building $341,347
2022	$20,506.00

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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