20996 Pepper Tree Ln, Cupertino, CA 95014 Property Records

Santa Clara County property record for 20996 Pepper Tree Ln, Cupertino, CA 95014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1962
Lot Size	0.175 acres (7,630 sqft)
Owner	2 Individual Names on File
Last Sale	$2,570,000 (Jun 2024)
Tax Bill	$31,527 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2019 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`359-13-043`

Property Details

APN / Parcel Number

Primary APN	`359-13-043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
1st Floor Area	1,570 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,630 sqft (0.175 acres)
Lot Dimensions	109 ft deep x 70 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20996 PEPPER TREE LN
City	CUPERTINO
State	CA
Zip	95014-2918
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 11
Legal Subdivision	PEPPER TREE
Legal Tract	2741
Legal Lot Number	11
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3011
Census Tract	507701

Owner

20996 Pepper Tree Ln is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	20996 PEPPER TREE LN, CUPERTINO, CA 95014-2918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 9, 2019	Deed of Trust, Mortgage · Construction Mortgage MEADOWS BANK
Jun 5, 2020	Loan Modification, Mortgage MEADOWS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2024 · Amount on File
Deed Sale	Jun 21, 2024 · Amount on File
Prior Sale	Jan 28, 2000 · Amount on File
Deed Document Number	202425653098
Prior Transfer Date	May 20, 2008
Prior Transfer Doc	0019885483
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20996 PEPPER TREE LN, CUPERTINO, CA 95014-2918
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20996 PEPPER TREE LN, CUPERTINO, CA 95014-2918

Mortgage

Document Number	0025889248
Date	Oct 23, 2025
Instrument	25889248

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20996 PEPPER TREE LN, CUPERTINO, CA 95014-2918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024353015
Date	Dec 9, 2019
Instrument	24353015

Lender

Name	MEADOWS BANK
Type	Bank
Address	LAS VEGAS, NV 89148

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CLARA CA
Property Address	20996 PEPPER TREE LN, CUPERTINO, CA 95014-2918
Document Number	0024517636
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2378 LASS DR SANTA CLARA CA 950541370, SANTA CLARA, CA 95054-1370

Mortgage

Document Number	0024517636
Date	Jun 25, 2020
Instrument	24517636

Lender

Name	MEADOWS BK
Type	Bank
Address	LAS VEGAS, NV 89148-1311

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20996 Pepper Tree Ln was $31,527 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	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		$2,673,828 (+2%) Land $2,413,728 Building $260,100
2025	$31,527.00 Homeowner's exemption	$2,621,400 Land $2,366,400 Building $255,000
2023	$12,257.00 (+0.18%)	$960,223 Land $720,175 Building $240,048
2022	$12,235.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20996 Pepper Tree Ln in Zone X, an area of moderate flood risk.

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

Wildfire risk around 20996 Pepper Tree Ln is low, with less than 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 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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