20576 3rd St, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20576 3rd St, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,052 sqft · built 1945
Lot Size	0.098 acres (4,250 sqft)
Owner	Trust Name on File
Last Sale	$975,000 (Apr 2006)
Tax Bill	$16,036 (2025)
Deeds & Mortgages	Dec 2021 Transfer Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`517-09-031`

Property Details

APN / Parcel Number

Primary APN	`517-09-031`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,250 sqft (0.098 acres)
Lot Dimensions	85 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	None

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	20576 3RD ST
City	SARATOGA
State	CA
Zip	95070-6053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM3
Legal Description	MAP D3 872
Legal Subdivision	MCCARTHYSVILLE
Legal Block	6
Legal Lot Number	12
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1004
Census Tract	507302

Owner

20576 3rd St is owner-occupied and held in a trust since December 2021.

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

Owner of Record	Trust Name on File
Mailing Address	20576 3RD ST, SARATOGA, CA 95070-6053
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

Date	Document
Dec 27, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ASSENT MORTGAGE LLC
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIERONE CU
Oct 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage PREMIERONE CU
Oct 26, 2019	Deed of Trust, Mortgage · Line of Credit PREMIERONE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2006 · Amount on File
Deed Sale	Apr 20, 2006 · Amount on File
Prior Sale	Dec 31, 2003 · Amount on File
Deed Document Number	200618895070
Last Transfer Date	Dec 17, 2021
Transfer Doc	0025204059
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 27, 2021
Property Address	20576 3RD ST, SARATOGA, CA 95070-6053
Document Number	0025204061
Map Reference	MB A PG 43
Instrument Date	Dec 17, 2021
Instrument	25204061
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Address	20576 3RD ST, SARATOGA, CA 95070-6053

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 27, 2021
Property Address	20576 3RD ST, SARATOGA, CA 95070-6053
Document Number	0025204059
Map Reference	MB A PG 43
Instrument Date	Dec 17, 2021
Instrument	25204059
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	20576 3RD ST, SARATOGA, CA 95070-6053

Mortgage

Document Number	0025204060
Date	Dec 27, 2021
Instrument	25204060

Lender

Name	ASSENT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20576 3RD ST, SARATOGA, CA 95070-6053
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20576 3RD ST, SARATOGA, CA 95070-6053

Mortgage

Document Number	0024933163
Date	Apr 23, 2021
Instrument	24933163

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20576 3RD ST, SARATOGA, CA 95070-6053
Document Number	0024319145
Instrument Date	Oct 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20576 3RD ST SARATOGA CA 950706053, SARATOGA, CA 95070-6053

Mortgage

Document Number	0024319145
Date	Nov 1, 2019
Instrument	24319145

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20576 3RD ST, SARATOGA, CA 95070-6053
Document Number	0024320098
Instrument Date	Oct 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20576 3RD ST SARATOGA CA 950706053, SARATOGA, CA 95070-6053

Mortgage

Document Number	0024320098
Date	Nov 4, 2019
Instrument	24320098

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 3, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20576 3rd St was $16,036 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		$1,359,050 (+2%) Land $679,525 Building $679,525
2025	$16,036.00 Homeowner's exemption	$1,332,402 Land $666,201 Building $666,201
2023	$15,771.00 (+2.01%) Homeowner's exemption	$1,280,666 Land $640,333 Building $640,333
2022	$15,460.00

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

Flood

FEMA maps place 20576 3rd St in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1983.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1983–1986)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 1986 · Severe Storms & 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 20576 3rd St 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 408 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

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

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