3392 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 3392 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,088 sqft · built 1954
Lot Size	0.115 acres (5,000 sqft)
Owner	Trust Name on File
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Sep 2020 Reverse Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`599-15-094`

Property Details

APN / Parcel Number

Primary APN	`599-15-094`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3392 PEPPER TREE LN
City	SAN JOSE
State	CA
Zip	95127-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	TRACT 1109 COUNTRY CLUB GARDENS BOOK 41 PAGE 48 PAGE 50 LOT 196
Legal Subdivision	COUNTRY CLUB GARDENS
Legal Tract	1109
Legal Lot Number	196
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3012
Census Tract	503802

Owner

3392 Pepper Tree Ln is owner-occupied and held in a trust since May 2020.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	Trust Name on File
Mailing Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 23, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 3, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jul 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 10, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Aug 13, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Aug 13, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 26, 2020
Transfer Doc	0024501781
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131

Mortgage

Document Number	0024625920
Date	Sep 23, 2020
Instrument	24625920

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	784 Months
Due	Jan 25, 2086

Interest

Rate Type	Adjustable Rate
Rate	2.83%
Type Change Date	Oct 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Document Number	0024625921
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PEPPER TREE LN SAN JOSE CA 951271131, SAN JOSE, CA 95127-1131

Mortgage

Document Number	0024625921
Date	Sep 23, 2020
Instrument	24625921

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	792 Months
Due	Sep 22, 2086

Interest

Rate Type	Adjustable Rate
Rate	2.83%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 9, 2020
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Document Number	0024532047
Instrument Date	May 26, 2020
Instrument	24532047
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3392 PEPPER TREE LN SAN JOSE CA 951271131, SAN JOSE, CA 95127-1131

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 10, 2020
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Document Number	0024501781
Instrument Date	May 26, 2020
Instrument	24501781
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PEPPER TREE LN SAN JOSE CA 951271131, SAN JOSE, CA 95127-1131

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Document Number	0024257172
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3392 PEPPER TREE LN SAN JOSE CA 951271131, SAN JOSE, CA 95127-1131

Mortgage

Document Number	0024257172
Date	Aug 16, 2019
Instrument	24257172

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVENUE 3RD & 7TH F, ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	804 Months
Due	Aug 15, 2086

Interest

Rate Type	Adjustable Rate
Rate	4.79%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3392 PEPPER TREE LN, SAN JOSE, CA 95127-1131
Document Number	0024257173
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3392 PEPPER TREE LN SAN JOSE CA 951271131, SAN JOSE, CA 95127-1131

Mortgage

Document Number	0024257173
Date	Aug 16, 2019
Instrument	24257173

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	804 Months
Due	Aug 15, 2086

Interest

Rate Type	Adjustable Rate
Rate	4.79%

Tax Assessment & Valuation

The 2025 property tax bill for 3392 Pepper Tree Ln was $2,166 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
Elementary School District	Berryessa Union Elementary School District (KG - 08)
Secondary School District	East Side Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$60,250 (+2%) Land $23,762 Building $36,488
2025	$2,166.00 Homeowner's exemption	$59,070 Land $23,297 Building $35,773
2023	$2,166.00 (+0.88%)	$56,779 Land $22,394 Building $34,385
2022	$2,147.00

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

Flood

FEMA maps place 3392 Pepper Tree Ln in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 3392 Pepper Tree Ln is low, with a 0.01% annual chance of 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	SAN JOSE WATER private · serves 1,039,920 people · EPA ID CA4310011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 970 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 / 2,000
Sail Internet Fixed Wireless	1,000 / 200
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60

May also be available: T-Mobile, Verizon.

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