265 Bernal Rd, San Jose, CA 95119 Property Records

Santa Clara County property record for 265 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	2 Trust Names on File
Last Sale	$499,000 (Jun 2008)
Tax Bill	$11,067 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2025 Line of Credit + 4 more
Flood Zone	Zone D (undetermined)
APN	`704-45-018`

Property Details

APN / Parcel Number

Primary APN	`704-45-018`

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
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Garage Area	456 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	265 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 92
Legal Tract	4640
Legal Lot Number	92
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	512032

Owner

265 Bernal Rd is owner-occupied and held in a trust since July 2026.

Source: Santa Clara County records, as of August 11, 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 Trust Names on File
Mailing Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 27, 2019	Deed of Trust, Mortgage · ARM AMERICAN FINANCIAL NETWORK INC
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2008 · Amount on File
Deed Sale	Jun 30, 2008 · Amount on File
Prior Sale	Aug 26, 2005 · Amount on File
Deed Document Number	200819902204
Last Transfer Date	Jul 30, 2026
Transfer Doc	0026032610
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 4, 2026
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Document Number	0026032610
Instrument Date	Jul 30, 2026
Instrument	202626032610
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	265 BERNAL RD, SAN JOSE, CA 95119-1811

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025918946
Date	Dec 16, 2025
Instrument	25918946

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	100 N TRYON ST, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2055

Interest

Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 BERNAL RD, SAN JOSE, CA 95119-1811

Mortgage

Document Number	0025452649
Date	Mar 23, 2023
Instrument	25452649

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023844779
Date	Jan 9, 2018
Instrument	23844779

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024123525
Date	Feb 27, 2019
Instrument	24123525

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	265 BERNAL RD, SAN JOSE, CA 95119-1811
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024577553
Date	Aug 17, 2020
Instrument	24577553

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$668,534 (+2%) Land $509,110 Building $159,424
2025	$11,067.00 (+4.28%)	$655,427 (+4.04%) Land $499,128 Building $156,299
2023	$10,613.00 (+0.99%)	$629,979 Land $479,748 Building $150,231
2022	$10,509.00

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

Flood

FEMA maps place 265 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 265 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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