227 Jo Dr, Los Gatos, CA 95032 Property Records

Santa Clara County property record for 227 Jo Dr, Los Gatos, CA 95032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,128 sqft · built 1961
Lot Size	0.141 acres (6,133 sqft)
Owner	2 Company Names on File
Last Sale	$1,945,000 (Jul 2024)
Tax Bill	$25,215 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`424-12-039`

Property Details

APN / Parcel Number

Primary APN	`424-12-039`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,133 sqft (0.141 acres)
Lot Dimensions	100 ft deep x 61 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	227 JO DR
City	LOS GATOS
State	CA
Zip	95032-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R18
Legal Description	TRACT 2676 LOS GATOS TOWN MANOR BOOK 128 PAGE 32 PAGE 33 LOT 30
Legal Subdivision	LOS GATOS TOWN MANOR
Legal Tract	2676
Legal Lot Number	30
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2023
Census Tract	506801

Owner

Source: Santa Clara County assessment roll, as of August 11, 2025

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

Owner of Record	2 Company Names on File
Mailing Address	227 JO DR, LOS GATOS, CA 95032-2417
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2024 · Amount on Record
Deed Sale	Jul 16, 2024 · Amount on Record
Prior Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	202425664710
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	227 JO DR, LOS GATOS, CA 95032-2417
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 JO DR, LOS GATOS, CA 95032-2417
Investor	Possibly a Property Investor

Mortgage

Document Number	0025935219
Date	Jan 27, 2026
Instrument	25935219

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	227 JO DR, LOS GATOS, CA 95032-2417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024330827
Date	Nov 13, 2019
Instrument	24330827

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	Dec 1, 2026
Change Frequency	Monthly
Min Rate At Change	2.95%
Index	1-Year CMT
Max Rate	10.9%

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Los Gatos Town
Secondary School District	Campbell Union High School District (09 - 12)
Elementary School District	Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$25,215.00 (+65.55%)	$1,945,000 (+72.62%) Land $1,556,000 Building $389,000
2024	$15,231.00 (+1.7%)
2023	$14,976.00 (+2.19%)	$1,126,780 Land $772,651 Building $354,129
2022	$14,655.00

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Communications, LLC. Fixed Wireless	250 / 100
T-Mobile USA Fixed Wireless	100 / 20

May also be available: California Internet, Ridge Wireless.

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