249 Gerald Cir, Milpitas, CA 95035 Property Records

Santa Clara County property record for 249 Gerald Cir, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,295 sqft · built 2013
Lot Size	0.078 acres (3,415 sqft)
Owner	Individual Name on File
Last Sale	$1,620,000 (Dec 2020)
Tax Bill	$20,841 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Jul 2020 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`086-70-045`

Property Details

APN / Parcel Number

Primary APN	`086-70-045`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,295 sqft Living Area
1st Floor Area	942 sqft
2nd Floor Area	1,353 sqft
Family Room	Family Room

Exterior

Year Built	Built 2013
Architectural Style	Other
Construction Type	Wood
Lot Area	3,415 sqft (0.078 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	249 GERALD CIR
City	MILPITAS
State	CA
Zip	95035-8915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	TR 10029 LOT 45
Legal Tract	10029
Legal Lot Number	45
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1012
Census Tract	504509

Owner

249 Gerald Cir is owned and occupied by an individual who bought it in December 2020.

Source: Santa Clara County records, as of October 20, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	249 GERALD CIR, MILPITAS, CA 95035-8915
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
Feb 15, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Dec 29, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Dec 26, 2018	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	24765991
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024117433
Date	Feb 15, 2019
Instrument	24117433

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024559259
Date	Jul 30, 2020
Instrument	24559259

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 GERALD CIR, MILPITAS, CA 95035-8915

Mortgage

Document Number	0024615892
Date	Sep 16, 2020
Instrument	24615892

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

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

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 29, 2020
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Document Number	0024765991
Map Reference	MB 854 PG 28-33
Instrument Date	Dec 13, 2020
Instrument	24765991
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	249 GERALD CIR, MILPITAS, CA 95035-8915

Mortgage

Document Number	0024765992
Date	Dec 29, 2020
Instrument	24765992

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Document Number	0024241718
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	249 GERALD CIR MILPITAS CA 950358915, MILPITAS, CA 95035-8915

Mortgage

Document Number	0024241718
Date	Jul 30, 2019
Instrument	24241718

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 26, 2018
Property Address	249 GERALD CIR, MILPITAS, CA 95035-8915
Document Number	0024087377
Map Reference	MB 854 PG 28-33
Instrument Date	Dec 11, 2018
Instrument	24087377
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	249 GERALD CIR, MILPITAS, CA 95035-8915

Mortgage

Document Number	0024087378
Date	Dec 26, 2018
Instrument	24087378

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 249 Gerald Cir was $20,841 with a homeowner's exemption.

Source: Santa Clara County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Milpitas City
Unified School District	Milpitas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$20,841.00 Homeowner's exemption	$1,753,538 Land $1,139,800 Building $613,738
2023	$20,302.00 (+0.55%) Homeowner's exemption	$1,685,447 Land $1,095,541 Building $589,906
2022	$20,190.00

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

Flood

FEMA maps place 249 Gerald Cir in Zone X, an area of moderate flood risk.

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
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force

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 249 Gerald Cir 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	CITY OF MILPITAS serves 81,915 people · EPA ID CA4310005
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 551 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
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Tekify Fiber & Wireless.

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