403 Cedargate Ln, San Jose, CA 95136 Property Records

Santa Clara County property record for 403 Cedargate Ln, San Jose, CA 95136

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,308 sqft · built 1971
Lot Size	0.025 acres (1,080 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Oct 2007)
Tax Bill	$7,123 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2018 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`685-20-016`

Property Details

APN / Parcel Number

Primary APN	`685-20-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,308 sqft Living Area
1st Floor Area	668 sqft
2nd Floor Area	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1972
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	1,080 sqft (0.025 acres)
Lot Dimensions	54 ft deep x 20 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	403 CEDARGATE LN
City	SAN JOSE
State	CA
Zip	95136-3271
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1-8P
Legal Description	TRACT 4926 MONTECITO BOOK 282 PAGE 20 PAGE 22 LOT 119
Legal Subdivision	MONTECITO
Legal Tract	4926
Legal Lot Number	119
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3005
Census Tract	512021

Owner

403 Cedargate Ln, a condominium, is owned and occupied by an individual who bought it in October 2007.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2007 · Amount on File
Deed Sale	Oct 24, 2007 · Amount on File
Deed Document Number	200719627824
Prior Transfer Date	Oct 18, 2007
Prior Transfer Doc	0019627825
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271

Mortgage

Document Number	0025506908
Date	Jul 28, 2023
Instrument	25506908

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024019337
Date	Sep 7, 2018
Instrument	24019337

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SAN JOSE, CA 95110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024242794
Date	Jul 31, 2019
Instrument	24242794

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SAN JOSE, CA 95110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 CEDARGATE LN, SAN JOSE, CA 95136-3271

Mortgage

Document Number	0024665362
Date	Oct 21, 2020
Instrument	24665362

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 403 Cedargate Ln was $7,123 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	Oak Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$515,804 (+2%) Land $257,902 Building $257,902
2025	$7,123.00 Homeowner's exemption	$505,692 Land $252,846 Building $252,846
2023	$6,834.00 (+0.32%) Homeowner's exemption	$486,058 Land $243,029 Building $243,029
2022	$6,812.00

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

Flood

FEMA maps place 403 Cedargate Ln in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 403 Cedargate Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	GREAT OAKS WC INC private · serves 112,582 people · EPA ID CA4310022
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 763 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, Ridge Wireless, Sail Internet, T-Mobile.

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