21695 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Clara County property record for 21695 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1962
Lot Size	0.494 acres (21,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,323 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`544-48-108`

Property Details

APN / Parcel Number

Primary APN	`544-48-108`
Alternative APN	`54448075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	21,500 sqft (0.494 acres)
Lot Dimensions	158 ft deep x 75 ft wide
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	21695 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-8402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HS-SR
Legal Subdivision	REDWOOD ESTATES MAP #4
Legal Block	U
Legal Lot Number	417
Jurisdiction	SANTA CLARA CA
Township / Civil Division	LEXINGTON HILLS
Census Block Group	1
Census Block	1050
Census Tract	511800

Owner

21695 Summit Rd is owned and occupied by two individuals who acquired it in November 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	21695 SUMMIT RD, LOS GATOS, CA 95033-8402
Occupancy	Owner Occupied
Owner Type	Individual

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 16, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAXREAL CUPERTINO
Apr 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAXREAL CUPERTINO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 2, 1999
Transfer Doc	0015051482
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	21695 SUMMIT RD, LOS GATOS, CA 95033-8402
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023976768
Date	Jul 16, 2018
Instrument	23976768

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	21695 SUMMIT RD, LOS GATOS, CA 95033-8402
Document Number	0024483709
Instrument Date	Apr 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	21695 SUMMIT RD LOS GATOS CA 950338402, LOS GATOS, CA 95033-8402

Mortgage

Document Number	0024483709
Date	May 20, 2020
Instrument	24483709

Lender

Name	MAXREAL CUPERTINO
Address	CUPERTINO, CA 95014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 19, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	21695 SUMMIT RD, LOS GATOS, CA 95033-8402
Document Number	0024465445
Instrument Date	Apr 19, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	21695 SUMMIT RD LOS GATOS CA 950338402, LOS GATOS, CA 95033-8402

Mortgage

Document Number	0024465445
Date	Apr 28, 2020
Instrument	24465445

Lender

Name	MAXREAL CUPERTINO
Address	CUPERTINO, CA 95014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 27, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 21695 Summit Rd was $5,323 with a homeowner's exemption, up 3.8% 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
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)
Elementary School District	Los Gatos Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$455,363 (+2%) Land $142,080 Building $313,283
2025	$5,323.00 (+3.76%) Homeowner's exemption	$446,436 Land $139,295 Building $307,141
2024	$5,130.00 (+3.12%)
2023	$4,975.00 (+0.46%) Homeowner's exemption	$429,102 Land $133,887 Building $295,215
2022	$4,952.00

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

Flood

FEMA maps place 21695 Summit Rd in Zone D, where flood risk has not been studied, though there have been 2 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1986–1998)
Claims Outside the SFHA	1 of 2
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

Wildfire risk around 21695 Summit Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Ridge Wireless Fixed Wireless	100 / 60
Surfnet Communications Fixed Wireless · Fiber in parts of the area	100 / 25

May also be available: AT&T, Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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