261 Bernal Rd, San Jose, CA 95119 Property Records

Santa Clara County property record for 261 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	$941,000 (Nov 2022)
Tax Bill	$13,672 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2022 Reverse Mortgage
Flood Zone	Zone D (undetermined)
APN	`704-45-016`

Property Details

APN / Parcel Number

Primary APN	`704-45-016`

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

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
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
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	261 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 90
Legal Tract	4640
Legal Lot Number	90
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	512032

Owner

261 Bernal Rd is owned and occupied by two individuals who bought it in November 2022.

Source: Santa Clara County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	261 BERNAL RD, SAN JOSE, CA 95119-1811
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
Nov 18, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 14, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on File
Deed Sale	Nov 18, 2022 · Amount on File
Deed Document Number	202225402430
Prior Transfer Date	Nov 11, 2022
Prior Transfer Doc	0025402429
Record Updated	Oct 29, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 18, 2022
Property Address	261 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0025402430
Map Reference	MB 261 PG 5&6
Instrument Date	Nov 15, 2022
Instrument	25402430
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	CHICAGO TITLE COMPANY

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	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	261 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025402431
Date	Nov 18, 2022
Instrument	25402431

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 14, 2022
Property Address	261 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0025335467
Map Reference	MB 261 PG 5&6
Instrument Date	Jun 2, 2022
Instrument	25335467
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TIMIOS TITLE

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
Relationship	Living Trust
Address	261 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025335468
Date	Jul 14, 2022
Instrument	25335468

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	811 Months
Due	Feb 9, 2090

Interest

Rate Type	Adjustable Rate
Rate	3.93%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.93%

Tax Assessment & Valuation

The 2025 property tax bill for 261 Bernal Rd was $13,672 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		$998,595 (+2%) Land $848,966 Building $149,629
2025	$13,672.00 Homeowner's exemption	$979,016 Land $832,320 Building $146,696
2023	$13,179.00 (+221.99%) Homeowner's exemption	$941,000 Land $800,000 Building $141,000
2022	$4,093.00

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

Flood

FEMA maps place 261 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 261 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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