4072 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 4072 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,163 sqft · built 1948
Lot Size	0.186 acres (8,120 sqft)
Owner	2 Individual Names on File
Last Sale	$1,325,000 (Apr 2024)
Tax Bill	$18,177 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone D (undetermined)
APN	`599-18-017`

Property Details

APN / Parcel Number

Primary APN	`599-18-017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,163 sqft Living Area
Gross Area	875 sqft
1st Floor Area	875 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	116 ft deep x 70 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4072 PEPPER TREE LN
City	SAN JOSE
State	CA
Zip	95127-1237
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 19
Legal Tract	564
Legal Lot Number	19
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1015
Census Tract	504201

Owner

4072 Pepper Tree Ln is owned and occupied by two individuals who bought it in April 2024.

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	2 Individual Names on File
Mailing Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA
Dec 19, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 11, 2019	Deed of Trust, Mortgage · ARM FIRST COMMERCIAL BANK
May 20, 2019	Grant Deed, Transfer · Conventional Mortgage YING K D TSANG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on File
Deed Sale	Apr 15, 2024 · Amount on File
Prior Sale	May 20, 2019 · Amount on File
Deed Document Number	202425622934
Prior Transfer Date	Jul 2, 2014
Prior Transfer Doc	0022698953
Record Updated	Oct 29, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 15, 2024
Property Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237
Document Number	0025622934
Map Reference	MB O PG 20
Instrument Date	Apr 4, 2024
Instrument	25622934
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237

Mortgage

Document Number	0025622935
Date	Apr 15, 2024
Instrument	25622935

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.42%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.4%
Index	Other
Margin	3
Max Rate	11.4%

Mortgage

Document Number	0025622935
Date	Apr 15, 2024
Instrument	25622935

Lender

Name	HSBC BANK USA
Type	Bank
Address	452 5TH AVE, NEW YORK, NY 10018

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.42%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.4%
Index	Other
Margin	3
Max Rate	11.4%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237

Mortgage

Document Number	0025417153
Date	Dec 19, 2022
Instrument	25417153

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024278108
Date	Sep 11, 2019
Instrument	24278108

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	CHINO HILLS, CA 91709

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Margin	3
Max Rate	9.5%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 20, 2019
Property Address	4072 PEPPER TREE LN, SAN JOSE, CA 95127-1237
Document Number	0024183332
Instrument Date	May 14, 2019
Instrument	24183332
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4072 PEPPER TREE LN SAN JOSE CA 951271237, SAN JOSE, CA 95127-1237

Mortgage

Document Number	24183333
Date	May 20, 2019
Instrument	24183333

Lender

Name	YING K D TSANG
Address	1321 HAVENWOOD DR # 5, SAN JOSE, CA 95132-2584

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	24183334,
Date	May 20, 2019
Instrument	24183334

Lender

Name	EVELYN X ZHANG
Address	5360 BORNEO CIR, SAN JOSE, CA 95123-6070

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4072 Pepper Tree Ln was $18,177 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
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		$1,368,126 (+2%) Land $1,217,268 Building $150,858
2025	$18,177.00 Homeowner's exemption	$1,341,300 Land $1,193,400 Building $147,900
2023	$13,761.00 (+2.49%)	$986,423 Land $857,760 Building $128,663
2022	$13,427.00

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

Flood

FEMA maps place 4072 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 4072 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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