3686 Kersten Dr, San Jose, CA 95124 Property Records

Santa Clara County property record for 3686 Kersten Dr, San Jose, CA 95124 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,206 sqft · built 1959
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on File
Last Sale	$1,320,000 (May 2018)
Tax Bill	$19,653 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`447-13-006`

Property Details

APN / Parcel Number

Primary APN	`447-13-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area
1st Floor Area	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1960
Architectural Style	Other
Construction Type	Wood
Lot Area	6,100 sqft (0.14 acres)
Lot Dimensions	100 ft deep x 61 ft wide
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3686 KERSTEN DR
City	SAN JOSE
State	CA
Zip	95124-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 2108 LOT 57
Legal Subdivision	2108
Legal Tract	2108
Legal Lot Number	57
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1009
Census Tract	502908

Owner

Source: Santa Clara County records · APN 447-13-006

Assessment roll updated July 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU
May 07, 2019	Deed of Trust, Mortgage · ARM PNC BANK NA
May 18, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Prior Sale	Aug 04, 2010
Deed Document Number	23936680
Record Updated	Jun 07, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134

Mortgage

Document Number	0024824097
Date	Feb 10, 2021
Instrument	24824097

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024173545
Date	May 07, 2019
Instrument	24173545

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 01, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 18, 2018
Property Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134
Document Number	0023936680
Map Reference	MB99 PG2
Instrument Date	May 16, 2018
Instrument	23936680
Transaction Type	Transfer
Record Updated	Sep 01, 2021
Title Company	ORANGE COAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3686 KERSTEN DR, SAN JOSE, CA 95124-3134

Mortgage

Document Number	0023936681
Date	May 18, 2018
Instrument	23936681

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 01, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	San Jose City
Elementary School District	Cambrian Elementary School District (KG - 08)
Secondary School District	Campbell Union High School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$19,653.00 (+2.39%) Homeowner's exemption	$1,501,930 (+4.04%) Land $1,297,123 Building $204,807
2023	$19,195.00 (+1.85%) Homeowner's exemption	$1,443,610 Land $1,246,755 Building $196,855
2022	$18,847.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Clara County (06085C), updated January 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060855029081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D
Special Flood Hazard Area	No
Flood Hazard	Undetermined not studied
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 722 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
Etheric Communications, LLC.	Fixed Wireless (licensed-by-rule)	250 / 100
Ridge Wireless	Fixed Wireless (unlicensed)	100 / 60
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Sail Internet Holdings, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Kersten Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures