20640 3rd St, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20640 3rd St, Saratoga, CA 95070

Property Summary

Property Type	Bank, Financial Building
Details	7,262 sqft · built 1901
Lot Size	0.047 acres (2,047 sqft)
Owner	Company Name on File
Last Sale	$4,400,000 (May 2021)
Tax Bill	$55,481 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`503-24-087`

Property Details

APN / Parcel Number

Primary APN	`503-24-087`

Interior

Stories	4 Stories
Building Area	7,262 sqft Total Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2008
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,047 sqft (0.047 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	20640 3RD ST
City	SARATOGA
State	CA
Zip	95070-6806
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	CC
Legal Subdivision	PLAN OF THE TOWN OF MCCARTYSVILLE
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1000
Census Tract	507302

Owner

20640 3rd St, a commercial property, is owned by a company that bought it in May 2021.

Source: Santa Clara County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	20640 3RD ST, SARATOGA, CA 95070-6806
Owner Type	Company
Vesting	Limited Liability Company

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
Jul 6, 2021	Deed of Trust, Mortgage · SBA Mortgage CDC SMALL BUSINESS FINANCE CORP
May 24, 2021	Grant Deed, Transfer · SBA Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2021 · Amount on File
Deed Sale	May 24, 2021 · Amount on File
Prior Sale	Jul 28, 2015
Deed Document Number	202124972053
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20640 3RD ST, SARATOGA, CA 95070-6806
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	TICOR TITLE NATIONAL COMMERCIAL SERVICES, TICOR TITLE NATL COM SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20640 3RD ST, SARATOGA, CA 95070-6806

Mortgage

Document Number	0025017963
Date	Jul 6, 2021
Instrument	25017963

Lender

Name	CDC SMALL BUSINESS FINANCE CORP
Type	Lending Institution
Address	SAN DIEGO, CA 92106

Agreement

Type	SBA Mortgage
Amount	Amount on Record

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 24, 2021
Property Address	20640 3RD ST, SARATOGA, CA 95070-6806
Document Number	0024972053
Map Reference	DOC 23920608
Instrument Date	May 24, 2021
Instrument	24972053
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20640 3RD ST STE 300, 300, SARATOGA, CA 95070-6806

Mortgage

Document Number	0024972054
Date	May 24, 2021
Instrument	24972054

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	SBA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0024972058
Date	May 24, 2021
Instrument	24972058

Lender

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

Agreement

Type	SBA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20640 3rd St was $55,481, up 0.7% from the year before.

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		$4,857,953 (+2%) Land $1,131,681 Building $3,726,272
2025	$55,481.00 (+0.68%)	$4,762,700 Land $1,109,492 Building $3,653,208
2024	$55,108.00 (+0.59%)
2023	$54,787.00 (+3.01%)	$4,577,760 Land $1,066,410 Building $3,511,350
2022	$53,185.00

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

Flood

FEMA maps place 20640 3rd St 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
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 20640 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.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures