4037 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 4037 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,365 sqft · built 1948
Lot Size	0.225 acres (9,794 sqft)
Owner	2 Trust Names on File
Last Sale	$1,410,000 (Jun 2021)
Tax Bill	$20,598 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Transfer + 2 more
Flood Zone	Zone D (undetermined)
APN	`599-21-060`

Property Details

APN / Parcel Number

Primary APN	`599-21-060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
Gross Area	875 sqft
1st Floor Area	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	9,794 sqft (0.225 acres)
Lot Dimensions	118 ft deep x 83 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4037 PEPPER TREE LN
City	SAN JOSE
State	CA
Zip	95127-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-6
Legal Description	TRACT 564 BOOK 20 PAGE 38 PAGE 39 LOT 4
Legal Subdivision	564 THOMAS GION
Legal Tract	564
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1028
Census Tract	504201

Owner

4037 Pepper Tree Ln is owner-occupied and held in a trust since June 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 29, 2023	Intrafamily Transfer, Transfer
Jun 29, 2023	Intrafamily Transfer, Transfer
Mar 15, 2021	Deed of Trust, Mortgage · Line of Credit ZB NA
Jun 23, 2021	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Oct 14, 2010 · Amount on File
Deed Document Number	202125005716
Last Transfer Date	Jun 22, 2023
Transfer Doc	0025494678
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 29, 2023
Property Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0025494678
Map Reference	MB 20 PG 38&39
Instrument Date	Jun 22, 2023
Instrument	25494678
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 29, 2023
Property Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0025494679
Map Reference	MB 20 PG 38&39
Instrument Date	Jun 22, 2023
Instrument	25494679
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0024874104
Date	Mar 15, 2021
Instrument	24874104

Lender

Name	ZB NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 23, 2021
Property Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0025005716
Map Reference	MB 20 PG 38&39
Instrument Date	Jun 7, 2021
Instrument	25005716
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CORNERSTONE 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	Tenants in Common
Address	4037 PEPPER TREE LN, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0025005717
Date	Jun 23, 2021
Instrument	25005717

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	Other
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 4037 Pepper Tree Ln was $20,598, up 1.8% from the year before.

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		$1,556,751 (+2%) Land $1,324,895 Building $231,856
2025	$20,598.00 (+1.79%)	$1,526,227 Land $1,298,917 Building $227,310
2024	$20,236.00 (+2.18%)
2023	$19,804.00 (+2.4%) Homeowner's exemption	$1,466,964 (+2%) Land $1,248,480 Building $218,484
2022	$19,339.00 Homeowner's exemption	$1,438,200 Land $1,224,000 Building $214,200

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

Flood

FEMA maps place 4037 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 4037 Pepper Tree Ln is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect 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	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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