298 Gemstone Way, Milpitas, CA 95035 Property Records

Santa Clara County property record for 298 Gemstone Way, Milpitas, CA 95035

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,522 sqft · built 1996
Lot Size	0.021 acres (900 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (Apr 2025)
Tax Bill	$7,563 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`022-55-030`

Property Details

APN / Parcel Number

Primary APN	`022-55-030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,522 sqft Living Area
1st Floor Area	795 sqft
2nd Floor Area	727 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	900 sqft (0.021 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	02255030
Street Address	298 GEMSTONE WAY
City	MILPITAS
State	CA
Zip	95035-4347
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PUD
Legal Description	TRACT 8810 BOOK 676 PAGE 13 PAGE 14
Legal Subdivision	REFLECTIONS
Legal Tract	8810
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3008
Census Tract	504507

Owner

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 Company Names on Record
Mailing Address	298 GEMSTONE WAY, MILPITAS, CA 95035-4347
Owner Type	Company
Vesting	Trust, Irrevocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Prior Sale	Feb 23, 2012 · Amount on Record
Deed Document Number	202525792846
Prior Transfer Date	Jan 5, 2008
Prior Transfer Doc	0019705418
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	298 GEMSTONE WAY, MILPITAS, CA 95035-4347
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 GEMSTONE WAY, MILPITAS, CA 95035-4347

Mortgage

Document Number	0025028606
Date	Jul 14, 2021
Instrument	25028606

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	298 GEMSTONE WAY, MILPITAS, CA 95035-4347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 GEMSTONE WAY, MILPITAS, CA 95035-4347

Mortgage

Document Number	0024702745
Date	Nov 16, 2020
Instrument	24702745

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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	Milpitas City
Unified School District	Milpitas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,300,000 (+102.94%) Land $650,000 Building $650,000
2025	$7,563.00 (+3.28%)	$640,578 (+4.04%) Land $320,289 Building $320,289
2024	$7,323.00 (+0.33%)
2023	$7,299.00 (+0.39%) Homeowner's exemption	$615,704 Land $307,852 Building $307,852
2022	$7,271.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 73 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	15 (1978–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 6 claims

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 752 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 · DSL in parts of the area	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	500 / 110
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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