3443 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 3443 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,075 sqft · built 1954
Lot Size	0.113 acres (4,900 sqft)
Owner	2 Trust Names on File
Last Sale	$795,000 (Mar 2020)
Tax Bill	$12,395 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`599-15-106`

Property Details

APN / Parcel Number

Primary APN	`599-15-106`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,075 sqft Living Area
1st Floor Area	1,075 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,900 sqft (0.113 acres)
Lot Dimensions	98 ft deep x 50 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3443 PEPPER TREE LN
City	SAN JOSE
State	CA
Zip	95127-1134
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 235
Legal Subdivision	COUNTRY CLUB GARDENS
Legal Tract	1109
Legal Lot Number	235
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3011
Census Tract	503802

Owner

3443 Pepper Tree Ln is owner-occupied and held in a trust since March 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit STAR ONE CREDIT UNION
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 3, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 4, 2020	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Deed Document Number	202024419800
Prior Transfer Date	May 22, 2015
Prior Transfer Doc	0022993527
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 3, 2026
Property Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Document Number	0025998029
Instrument Date	May 28, 2026
Instrument	202625998029
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134

Mortgage

Document Number	0025998029,
Date	Jun 3, 2026
Instrument	202625998029

Lender

Name	STAR ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Aug 11, 2051

Interest

Rate	6.3%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134

Mortgage

Document Number	0025122435
Date	Oct 5, 2021
Instrument	25122435

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Oct 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134

Mortgage

Document Number	0024633423
Date	Sep 29, 2020
Instrument	24633423

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 3, 2020
Property Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Document Number	0024419800
Map Reference	MB 41 PG 48
Instrument Date	Feb 26, 2020
Instrument	24419800
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134

Mortgage

Document Number	0024419801
Date	Mar 3, 2020
Instrument	24419801

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

March 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 4, 2020
Property Address	3443 PEPPER TREE LN, SAN JOSE, CA 95127-1134
Document Number	0024421244
Instrument Date	Feb 26, 2020
Instrument	24421244
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3443 PEPPER TREE LN SAN JOSE CA 951271134, SAN JOSE, CA 95127-1134

Tax Assessment & Valuation

The 2025 property tax bill for 3443 Pepper Tree Ln was $12,395.

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		$886,833 (+2%) Land $780,861 Building $105,972
2025	$12,395.00	$869,445 Land $765,550 Building $103,895
2023	$11,979.00 (+0.39%) Homeowner's exemption	$835,685 Land $735,824 Building $99,861
2022	$11,932.00

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

Flood

FEMA maps place 3443 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 3443 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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