20975 Comer Dr, Saratoga, CA 95070 Property Records

Santa Clara County property record for 20975 Comer Dr, Saratoga, CA 95070

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,760 sqft · built 1974
Lot Size	1.45 acres (63,177 sqft)
Owner	Company Name on Record
Tax Bill	$3,743 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`503-16-072`

Property Details

APN / Parcel Number

Primary APN	`503-16-072`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,760 sqft Living Area
1st Floor Area	1,144 sqft
2nd Floor Area	1,616 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	63,177 sqft
Terrain	Gentle Slope
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20975 COMER DR
City	SARATOGA
State	CA
Zip	95070-3709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R140
Legal Description	HUSTED ACRES MAP C7 852
Legal Subdivision	ORCHARD GARDENS
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2013
Census Tract	507600

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	Company Name on Record
Mailing Address	20975 COMER DR, SARATOGA, CA 95070-3709
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Jul 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 27, 2017	Deed of Trust, Mortgage · ARM DITECH FINANCIAL LLC
Jun 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 29, 1993
Transfer Doc	0012251362
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 27, 2021
Property Address	20975 COMER DR, SARATOGA, CA 95070-3709
Document Number	0025043245
Map Reference	MB 296 PG 45
Instrument Date	Apr 22, 2021
Instrument	25043245
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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	Living Trust
Address	20975 CORNER DRIVE, SARATOGA, CA 95070

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 27, 2021
Property Address	20975 COMER DR, SARATOGA, CA 95070-3709
Document Number	0025043242
Map Reference	MB 296 PG 45
Instrument Date	Apr 22, 2021
Instrument	25043242
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	20975 COMER DR, SARATOGA, CA 95070-3709

Mortgage

Document Number	0025043244
Date	Jul 27, 2021
Instrument	25043244

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20975 COMER DR, SARATOGA, CA 95070-3709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023763313
Date	Sep 27, 2017
Instrument	23763313

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20975 COMER DR, SARATOGA, CA 95070-3709
Document Number	0024221099
Instrument Date	Jun 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20975 COMER DR SARATOGA CA 950703709, SARATOGA, CA 95070-3709

Mortgage

Document Number	0024221099
Date	Jul 9, 2019
Instrument	24221099

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

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		$224,995 (+2%) Land $60,061 Building $164,934
2025	$3,743.00 (+5.73%)	$220,584 (+4.04%) Land $58,884 Building $161,700
2023	$3,540.00 (+2.49%)	$212,021 Land $56,599 Building $155,422
2022	$3,454.00

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	3 in force
Nearby Flood Claims	3 (1992–1998)
Claims Outside the SFHA	1 of 3
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

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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