403 Spencer Ter, Sunnyvale, CA 94089 Property Records

Santa Clara County property record for 403 Spencer Ter, Sunnyvale, CA 94089

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,466 sqft · built 2012
Lot Size	0.026 acres (1,133 sqft)
Owner	Individual Name on Record
Last Sale	$1,602,000 (Sep 2023)
Tax Bill	$19,309 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`110-59-001`

Property Details

APN / Parcel Number

Primary APN	`110-59-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,466 sqft Living Area
1st Floor Area	148 sqft
2nd Floor Area	568 sqft
Family Room	Family Room

Exterior

Year Built	Built 2012
Architectural Style	Other
Construction Type	Wood
Lot Area	1,133 sqft (0.026 acres)
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	403 SPENCER TER
City	SUNNYVALE
State	CA
Zip	94089-4644
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3PD
Legal Description	TR 10114 LOT 1
Legal Subdivision	10114 CLASSICS/TOYAMA
Legal Tract	10114
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2011
Census Tract	504807

Owner

Source: Santa Clara County records, as of October 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	403 SPENCER TER, SUNNYVALE, CA 94089-4644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Sep 20, 2023	Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Apr 12, 2013 · Amount on Record
Deed Document Number	25533071
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 SPENCER TER, SUNNYVALE, CA 94089-4644
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SPENCER TER, SUNNYVALE, CA 94089-4644

Mortgage

Document Number	0025885856
Date	Oct 17, 2025
Instrument	25885856

Lender

Name	CITIBANK NA
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	Other
Max Rate	10.3%

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 20, 2023
Property Address	403 SPENCER TER, SUNNYVALE, CA 94089-4644
Document Number	0025533071
Map Reference	MB 852 PG 12-14
Instrument Date	Sep 11, 2023
Instrument	25533071
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	403 SPENCER TER, SUNNYVALE, CA 94089-4644

Mortgage

Document Number	0025533072
Date	Sep 20, 2023
Instrument	25533072

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.4%
Margin	3
Max Rate	11.4%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	403 SPENCER TER, SUNNYVALE, CA 94089-4644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024310880
Date	Oct 23, 2019
Instrument	24310880

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Sunnyvale City
Secondary School District	Fremont Union High School District (09 - 12)
Elementary School District	Sunnyvale Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$19,309.00 (+83.13%) Homeowner's exemption	$1,634,040 (+84.45%) Land $817,020 Building $817,020
2023	$10,544.00 (+1.57%)	$885,913 Land $442,957 Building $442,956
2022	$10,381.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

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	CITY OF SUNNYVALE serves 157,566 people · EPA ID CA4310014
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	63 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 768 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Tekify Fiber & Wireless Fixed Wireless	122 / 27

May also be available: AT&T, GeoLinks, Sail Internet, T-Mobile.

Nearby Properties on Spencer Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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