20985 Pepper Tree Ln, Cupertino, CA 95014 Property Records

Santa Clara County property record for 20985 Pepper Tree Ln, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,913 sqft · built 1961
Lot Size	0.174 acres (7,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jun 2010)
Tax Bill	$19,799 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`359-12-018`

Property Details

APN / Parcel Number

Primary APN	`359-12-018`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,913 sqft Living Area
1st Floor Area	1,103 sqft
2nd Floor Area	810 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,597 sqft (0.174 acres)
Lot Dimensions	107 ft deep x 71 ft wide
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20985 PEPPER TREE LN
City	CUPERTINO
State	CA
Zip	95014-2919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2741 PEPPER TREE BOOK 131 PAGE 12 PAGE 13 LOT 2
Legal Subdivision	PEPPER TREE
Legal Tract	2741
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	507701

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	2 Individual Names on Record
Mailing Address	20985 PEPPER TREE LN, CUPERTINO, CA 95014-2919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 25, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Dec 27, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2010 · Amount on Record
Deed Sale	Jun 21, 2010 · Amount on Record
Prior Sale	Jul 5, 2006 · Amount on Record
Deed Document Number	201020746582
Prior Transfer Date	May 6, 2004
Prior Transfer Doc	0017774017
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20985 PEPPER TREE LN, CUPERTINO, CA 95014-2919
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20985 PEPPER TREE LN, CUPERTINO, CA 95014-2919

Mortgage

Document Number	0025046092
Date	Jul 28, 2021
Instrument	25046092

Lender

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

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20985 PEPPER TREE LN, CUPERTINO, CA 95014-2919
Document Number	0024498515
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20985 PEPPER TREE LN CUPERTINO CA 950142919, CUPERTINO, CA 95014-2919

Mortgage

Document Number	0024498515
Date	Jun 8, 2020
Instrument	24498515

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20985 PEPPER TREE LN, CUPERTINO, CA 95014-2919
Document Number	0023842421
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20985 PEPPER TREE LN CUPERTINO CA 950142919, CUPERTINO, CA 95014-2919

Mortgage

Document Number	0023842421
Date	Jan 5, 2018
Instrument	23842421

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.62%

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		$1,645,783 (+2%) Land $1,316,633 Building $329,150
2025	$19,799.00 (+3.77%) Homeowner's exemption	$1,613,514 (+4.04%) Land $1,290,817 Building $322,697
2023	$19,080.00 (+0.89%) Homeowner's exemption	$1,550,861 Land $1,240,694 Building $310,167
2022	$18,911.00

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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	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 280 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.

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