316 Spence Ave, Milpitas, CA 95035 Property Records

Santa Clara County property record for 316 Spence Ave, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1955
Lot Size	0.185 acres (8,100 sqft)
Owner	Individual Name on Record
Last Sale	$838,000 (Mar 2017)
Tax Bill	$11,389 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2017 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`022-25-022`

Property Details

APN / Parcel Number

Primary APN	`022-25-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Other
Construction Type	Wood
Lot Area	8,100 sqft (0.185 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	316 SPENCE AVE
City	MILPITAS
State	CA
Zip	95035-4826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 1366 LOT 34
Legal Subdivision	MILPITAS MANOR
Legal Tract	1366
Legal Lot Number	34
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	4
Census Block	4010
Census Tract	504507

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 9, 2017	Deed of Trust, Mortgage · ARM FLAGSTAR BANK FSB
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 30, 2017	Grant Deed, Transfer · ARM MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	23614217
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SPENCE AVE, MILPITAS, CA 95035-4826

Mortgage

Document Number	0025082812
Date	Aug 30, 2021
Instrument	25082812

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023797800
Date	Nov 9, 2017
Instrument	23797800

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024306609
Date	Oct 17, 2019
Instrument	24306609

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SPENCE AVE, MILPITAS, CA 95035-4826

Mortgage

Document Number	0024742928
Date	Dec 10, 2020
Instrument	24742928

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Document Number	0023971175
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SPENCE AVE MILPITAS CA 950354826, MILPITAS, CA 95035-4826

Mortgage

Document Number	0023971175
Date	Jul 6, 2018
Instrument	23971175

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 30, 2017
Property Address	316 SPENCE AVE, MILPITAS, CA 95035-4826
Document Number	0023614217
Map Reference	MAP53 PG18&19
Instrument Date	Mar 27, 2017
Instrument	23614217
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	316 SPENCE AVE, MILPITAS, CA 95035-4826

Mortgage

Document Number	0023614218
Date	Mar 30, 2017
Instrument	23614218

Lender

Name	MB FINANCIAL BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

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	$11,389.00 (+3.07%) Homeowner's exemption	$972,565 (+4.04%) Land $754,378 Building $218,187
2023	$11,050.00 (+0.42%) Homeowner's exemption	$934,801 Land $725,086 Building $209,715
2022	$11,004.00

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	14 (1983–2022)
Claims Outside the SFHA	1 of 14
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 5 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	425 / 80
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60

May also be available: GeoLinks, Verizon.

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