3972 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 3972 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 875 sqft · built 1948
Lot Size	0.218 acres (9,512 sqft)
Owner	Individual Name on File
Tax Bill	$16,940 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2025 Mortgage + 5 more
Flood Zone	Zone D (undetermined)
APN	`599-18-004`

Property Details

APN / Parcel Number

Primary APN	`599-18-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,512 sqft (0.218 acres)
Lot Dimensions	116 ft deep x 82 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3972 PEPPER TREE LN
City	SAN JOSE
State	CA
Zip	95127-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-6
Legal Description	TRACT 525 BOOK 18 PAGE 36 LOT 13
Legal Subdivision	525 PALO RHO
Legal Tract	525
Legal Lot Number	13
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1029
Census Tract	504201

Owner

3972 Pepper Tree Ln is owned and occupied by an individual who acquired it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 8, 2026	Intrafamily Transfer, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL
Jan 8, 2026	Intrafamily Transfer, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL
Jan 8, 2026	Grant Deed, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC
May 10, 2024	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2026
Deed Sale	Jan 8, 2026
Prior Sale	Jan 8, 2026 · Amount on File
Deed Document Number	202625928477
Prior Transfer Date	Dec 20, 1996
Prior Transfer Doc	0013563996
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235

Mortgage

Document Number	0024889776
Date	Mar 24, 2021
Instrument	24889776

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41348 CHAPEL WAY, FREMONT, CA 94538-4203

Mortgage

Document Number	0025845056
Date	Jul 25, 2025
Instrument	25845056

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 8, 2026
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Document Number	0025928476
Map Reference	MB 18 PG 36
Instrument Date	Jan 7, 2026
Instrument	25928476
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 8, 2026
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Document Number	0025928477
Map Reference	MB 18 PG 36
Instrument Date	Jan 7, 2026
Instrument	25928477
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Investor	Possibly a Property Investor

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 8, 2026
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Document Number	0025928475
Map Reference	MB 18 PG 36
Instrument Date	Dec 15, 2025
Instrument	25928475
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,808.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235

Mortgage

Document Number	0025928478
Date	Jan 8, 2026
Instrument	25928478

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 10, 2024
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Document Number	0025635164
Map Reference	MB 18 PG 36
Instrument Date	May 7, 2024
Instrument	25635164
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	CHICAGO TITLE COMPANY

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	Family Living Trust
Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235

Mortgage

Document Number	0025635165
Date	May 10, 2024
Instrument	25635165

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jun 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	SOFR Average 30-Day
Max Rate	11.8%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	3972 PEPPER TREE LN, SAN JOSE, CA 95127-1235
Document Number	0024171930
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3972 PEPPER TREE LN SAN JOSE CA 951271235, SAN JOSE, CA 95127-1235

Mortgage

Document Number	0024171930
Date	May 6, 2019
Instrument	24171930

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3972 Pepper Tree Ln was $16,940.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Elementary School District	Alum Rock 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		$1,260,964 (+2%) Land $1,144,440 Building $116,524
2025	$16,940.00	$1,236,240 Land $1,122,000 Building $114,240
2023	$6,831.00 (+2.8%)	$443,302 Land $310,314 Building $132,988
2022	$6,645.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3972 Pepper Tree Ln in Zone D, where flood risk has not been studied, though there have been 2 flood claims nearby since 1983.

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	1 in force
Nearby Flood Claims	2 (1983–1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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 3972 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 523 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Sonic Telecom, T-Mobile.

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