3528 Cedar Flat Ct, San Jose, CA 95127 Property Records

Santa Clara County property record for 3528 Cedar Flat Ct, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,293 sqft · built 1976
Lot Size	0.185 acres (8,040 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Nov 1993)
Tax Bill	$5,287 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Line of Credit
Flood Zone	Zone D (undetermined)
APN	`612-59-016`

Property Details

APN / Parcel Number

Primary APN	`612-59-016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,293 sqft Living Area
1st Floor Area	1,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,040 sqft (0.185 acres)
Lot Dimensions	120 ft deep x 67 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3528 CEDAR FLAT CT
City	SAN JOSE
State	CA
Zip	95127-4901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-5
Legal Description	TRACT 5584 BOOK 355 PAGE 51 PAGE 52 LOT 32
Legal Subdivision	TRACT NO 5584
Legal Tract	5584
Legal Lot Number	32
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2033
Census Tract	504202

Owner

3528 Cedar Flat Ct is owned and occupied by two individuals who acquired it in July 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	3528 CEDAR FLAT CT, SAN JOSE, CA 95127-4901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 27, 2020	Deed of Trust, Mortgage · Line of Credit UNCLE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 1993 · Amount on File
Deed Sale	Nov 10, 1993 · Amount on File
Deed Document Number	199312205652
Deed Book / Page	126 / 1243
Last Transfer Date	Jul 2, 1997
Transfer Doc	0013783921
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3528 CEDAR FLAT CT, SAN JOSE, CA 95127-4901
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 CEDAR FLAT CT, SAN JOSE, CA 95127-4901

Mortgage

Document Number	0025060829
Date	Aug 10, 2021
Instrument	25060829

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3528 CEDAR FLAT CT, SAN JOSE, CA 95127-4901
Document Number	0024509310
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3528 CEDAR FLAT CT SAN JOSE CA 951274901, SAN JOSE, CA 95127-4901

Mortgage

Document Number	0024509310
Date	Jun 17, 2020
Instrument	24509310

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 16, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3528 Cedar Flat Ct was $5,287 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
Secondary School District	East Side Union High School District (09 - 12)
Elementary School District	Mount Pleasant Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$300,553 (+2%) Land $109,892 Building $190,661
2025	$5,287.00 Homeowner's exemption	$294,661 Land $107,738 Building $186,923
2023	$4,963.00 (+0.87%) Homeowner's exemption	$283,220 Land $103,555 Building $179,665
2022	$4,920.00

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

Flood

FEMA maps place 3528 Cedar Flat Ct in Zone D, where flood risk has not been studied, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 3528 Cedar Flat Ct is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.07% 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	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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Sail Internet Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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