238 Howes Dr, Los Gatos, CA 95032 Property Records

Santa Clara County property record for 238 Howes Dr, Los Gatos, CA 95032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,375 sqft · built 1963
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Feb 2005)
Tax Bill	$14,104 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`527-45-027`

Property Details

APN / Parcel Number

Primary APN	`527-45-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,375 sqft Living Area
1st Floor Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	238 HOWES DR
City	LOS GATOS
State	CA
Zip	95032-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2978 CAMEO PARK BOOK 143 PAGE 16 PAGE 17 LOT 52
Legal Subdivision	CAMEO PARK
Legal Tract	2978
Legal Lot Number	52
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3002
Census Tract	506804

Owner

238 Howes Dr is owned and occupied by two individuals who bought it in February 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	238 HOWES DR, LOS GATOS, CA 95032-4019
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
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2005 · Amount on File
Deed Sale	Feb 18, 2005 · Amount on File
Prior Sale	Jun 5, 1998 · Amount on File
Deed Document Number	200518238251
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	238 HOWES DR, LOS GATOS, CA 95032-4019
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 HOWES DR, LOS GATOS, CA 95032-4019

Mortgage

Document Number	0025093724
Date	Sep 9, 2021
Instrument	25093724

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	238 HOWES DR, LOS GATOS, CA 95032-4019
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 HOWES DR, LOS GATOS, CA 95032-4019

Mortgage

Document Number	0024837282
Date	Feb 18, 2021
Instrument	24837282

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	238 HOWES DR, LOS GATOS, CA 95032-4019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024537555
Date	Jul 15, 2020
Instrument	24537555

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	238 HOWES DR, LOS GATOS, CA 95032-4019
Document Number	0024408156
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	238 HOWES DR LOS GATOS CA 950324019, LOS GATOS, CA 95032-4019

Mortgage

Document Number	0024408156
Date	Feb 19, 2020
Instrument	24408156

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 18, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	238 HOWES DR, LOS GATOS, CA 95032-4019
Document Number	0024046938
Instrument Date	Oct 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 HOWES DR LOS GATOS CA 950324019, LOS GATOS, CA 95032-4019

Mortgage

Document Number	0024046938
Date	Oct 22, 2018
Instrument	24046938

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 238 Howes Dr was $14,104 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	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
2026		$1,080,546 (+2%) Land $540,273 Building $540,273
2025	$14,104.00 Homeowner's exemption	$1,059,360 Land $529,680 Building $529,680
2023	$13,543.00 (+2.18%) Homeowner's exemption	$1,018,226 Land $509,113 Building $509,113
2022	$13,254.00

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

Flood

FEMA maps place 238 Howes Dr in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1996.

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	2 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1996 · Severe Storms, Flooding, Mud And Landslides

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

The area around 238 Howes Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 659 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Sail Internet.

Nearby Properties on Howes Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures