20654 Celeste Cir, Cupertino, CA 95014 Property Records

Santa Clara County property record for 20654 Celeste Cir, Cupertino, CA 95014

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,206 sqft · built 1984
Lot Size	0.034 acres (1,500 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (Oct 2022)
Tax Bill	$13,131 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2017 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`326-58-104`

Property Details

APN / Parcel Number

Primary APN	`326-58-104`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area
1st Floor Area	1,206 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	1,500 sqft (0.034 acres)
Lot Dimensions	50 ft deep x 30 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20654 CELESTE CIR
City	CUPERTINO
State	CA
Zip	95014-0480
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CU
Legal Description	TRACT 7394 DE ANZA FORGE CONDOMINIUMS BOOK 510 PAGE 37 PAGE 38
Legal Subdivision	DE ANZA FORGE CONDO
Legal Tract	7394
Legal Block	4
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507805

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Feb 2, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 3, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Sep 14, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Jul 2, 2014 · Amount on Record
Deed Document Number	202225391860
Prior Transfer Date	Jan 28, 2021
Prior Transfer Doc	0024812675
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 26, 2022
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0025391860
Map Reference	MB 510 PG 37&38
Instrument Date	Oct 24, 2022
Instrument	25391860
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	20654 CELESTE CIR, CUPERTINO, CA 95014-0480

Mortgage

Document Number	0025391861
Date	Oct 26, 2022
Instrument	25391861

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	10.1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023714019
Date	Jul 28, 2017
Instrument	23714019

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 25, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 2, 2021
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0024812675
Map Reference	MB 510 PG 37&38
Instrument Date	Jan 28, 2021
Instrument	24812675
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
Relationship	Revocable Trust
Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 2, 2021
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0024812673
Map Reference	MB 510 PG 37&38
Instrument Date	Jan 28, 2021
Instrument	24812673
Transaction Type	Transfer
Record Updated	Sep 1, 2021
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
Relationship	Community Property
Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480

Mortgage

Document Number	0024812674
Date	Feb 2, 2021
Instrument	24812674

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0024376451
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	TITLE CONNECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20654 CELESTE CIR CUPERTINO CA 950140480, CUPERTINO, CA 95014-0480

Mortgage

Document Number	0024376451
Date	Jan 8, 2020
Instrument	24376451

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0024031022
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20654 CELESTE CIR CUPERTINO CA 950140480, CUPERTINO, CA 95014-0480

Mortgage

Document Number	0024031022
Date	Sep 26, 2018
Instrument	24031022

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 13, 2018
Property Address	20654 CELESTE CIR, CUPERTINO, CA 95014-0480
Document Number	0023909593
Instrument Date	Apr 3, 2018
Instrument	23909593
Transaction Type	Transfer
Record Updated	Apr 23, 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	20654 CELESTE CIR CUPERTINO CA 950140480, CUPERTINO, CA 95014-0480

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	Cupertino City
Elementary School District	Cupertino Union Elementary School District (KG - 08)
Secondary School District	Fremont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$950,000 (-8.69%) Land $475,000 Building $475,000
2025	$13,131.00 (+3.84%)	$1,040,400 (+4.04%) Land $520,200 Building $520,200
2023	$12,646.00 (+11.27%)	$1,000,000 Land $500,000 Building $500,000
2022	$11,365.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CWSC LOS ALTOS SUBURBAN private · serves 63,559 people · EPA ID CA4310001
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 720 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Sail Internet.

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