245 Bernal Rd, San Jose, CA 95119 Property Records

Santa Clara County property record for 245 Bernal Rd, San Jose, CA 95119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1971
Lot Size	0.152 acres (6,600 sqft)
Owner	Trust Name on File
Tax Bill	$5,555 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone D (undetermined)
APN	`704-45-012`

Property Details

APN / Parcel Number

Primary APN	`704-45-012`

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	245 BERNAL RD
City	SAN JOSE
State	CA
Zip	95119-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 4640 BOOK 261 PAGE 6 LOT 86
Legal Tract	4640
Legal Lot Number	86
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	512032

Owner

245 Bernal Rd is owner-occupied and held in a trust since April 2018.

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

Owner of Record	Trust Name on File
Mailing Address	245 BERNAL RD, SAN JOSE, CA 95119-1811
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 29, 2019	Deed of Trust, Mortgage SMITH 2019 TRUST (RT)
Apr 25, 2018	Quit Claim Deed OLD REPUBLIC TITLE
Mar 26, 2018	Quit Claim Deed, Transfer · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 18, 2018
Transfer Doc	0023918024
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	245 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0024186644
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	245 BERNAL RD SAN JOSE CA 951191811, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0024186644
Date	May 23, 2019
Instrument	24186644

Lender

Name	SMITH 2019 TRUST (RT)

Agreement

Amount	Amount on Record

April 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 25, 2018
Property Address	245 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0023918024
Instrument Date	Apr 18, 2018
Instrument	23918024
Record Updated	May 3, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	245 BERNAL RD SAN JOSE CA 951191811, SAN JOSE, CA 95119-1811

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 26, 2018
Property Address	245 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0023895197
Instrument Date	Mar 19, 2018
Instrument	23895197
Transaction Type	Transfer
Record Updated	Apr 9, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	245 BERNAL RD SAN JOSE CA 951191811, SAN JOSE, CA 95119-1811

Mortgage

Document Number	23895198
Date	Mar 26, 2018
Instrument	23895198

Lender

Name	WFB NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 245 Bernal Rd was $5,555 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	San Jose City
Secondary School District	East Side Union High School District (09 - 12)
Elementary School District	Oak Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$321,529 (+2%) Land $128,605 Building $192,924
2025	$5,555.00 Homeowner's exemption	$315,226 Land $126,084 Building $189,142
2023	$5,288.00 (+0.92%) Homeowner's exemption	$302,988 Land $121,189 Building $181,799
2022	$5,240.00

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

Flood

FEMA maps place 245 Bernal Rd in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone D undetermined · not studied
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 245 Bernal Rd is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GREAT OAKS WC INC private · serves 112,582 people · EPA ID CA4310022
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2024–2026) 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. 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 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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