249 Bernal Rd, San Jose, CA 95119 Property Records

Santa Clara County property record for 249 Bernal Rd, San Jose, CA 95119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,286 sqft · built 1971
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,325,000 (Sep 2025)
Tax Bill	$14,184 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`704-45-013`

Property Details

APN / Parcel Number

Primary APN	`704-45-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,286 sqft Living Area
1st Floor Area	1,286 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	249 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 87
Legal Subdivision	TRACT NO 4640
Legal Tract	4640
Legal Lot Number	87
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	512032

Owner

249 Bernal Rd is owned and occupied by two individuals who bought it in September 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	249 BERNAL RD, SAN JOSE, CA 95119-1811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TECHNOLOGY CU
Apr 25, 2022	Intrafamily Transfer, Transfer
Oct 30, 2020	Grant Deed, Transfer JEFF GACHES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on File
Deed Sale	Sep 25, 2025 · Amount on File
Prior Sale	Oct 30, 2020 · Amount on File
Deed Document Number	202525874729
Prior Transfer Date	Aug 3, 2022
Prior Transfer Doc	0025355492
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 25, 2025
Property Address	249 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0025874729
Map Reference	MB 261 PG 5 & 6
Instrument Date	Sep 12, 2025
Instrument	25874729
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	249 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025874730
Date	Sep 25, 2025
Instrument	25874730

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2022
Property Address	249 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0025355492
Map Reference	MB 261 PG 5&6
Instrument Date	Aug 3, 2022
Instrument	25355492
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025355493
Date	Aug 9, 2022
Instrument	25355493

Lender

Name	TECHNOLOGY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	Other
Max Rate	9.5%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 25, 2022
Property Address	249 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0025289777
Map Reference	MB 261 PG 5&6
Instrument Date	Apr 21, 2022
Instrument	25289777
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 BERNAL RD, SAN JOSE, CA 95119-1811

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 30, 2020
Property Address	249 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0024680125
Instrument Date	Sep 30, 2020
Instrument	24680125
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 BERNAL RD SAN JOSE CA 951191811, SAN JOSE, CA 95119-1811

Mortgage

Document Number	24680126
Date	Oct 30, 2020
Instrument	24680126

Lender

Name	JEFF GACHES
Address	18579 E RANCH RD, QUEEN CREEK, AZ 85142-5400
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 249 Bernal Rd was $14,184.

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		$1,325,000 (+31.66%) Land $1,060,000 Building $265,000
2025	$14,184.00	$1,006,388 Land $805,111 Building $201,277
2023	$13,677.00 (+0.68%)	$967,311 Land $773,849 Building $193,462
2022	$13,584.00

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

Flood

FEMA maps place 249 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 249 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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