4085 Pepper Tree Ln, San Jose, CA 95127 Property Records

Santa Clara County property record for 4085 Pepper Tree Ln, San Jose, CA 95127

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,323 sqft · built 1948
Lot Size	0.217 acres (9,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$618,000 (Dec 2016)
Tax Bill	$12,106 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2020 Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`599-21-056`

Property Details

APN / Parcel Number

Primary APN	`599-21-056`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,323 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
Construction Type	Wood
Lot Area	9,462 sqft (0.217 acres)
Lot Dimensions	114 ft deep x 83 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4085 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 8
Legal Subdivision	NO 564
Legal Tract	564
Legal Lot Number	8
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1028
Census Tract	504201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HM LOANS
Oct 8, 2019	Deed of Trust, Mortgage ANGEL OAK HM LOANS
Jan 3, 2019	Deed of Trust, Mortgage ANGEL OAK HM LOANS
Jun 14, 2018	Deed of Trust, Mortgage ANGEL OAK HM LOANS
Oct 6, 2017	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2016 · Amount on Record
Deed Sale	Dec 14, 2016 · Amount on Record
Deed Document Number	201623533075
Prior Transfer Date	Dec 12, 2016
Prior Transfer Doc	0023771025
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Transaction Type	Mortgage
Record Updated	Jun 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0025310353
Date	May 27, 2022
Instrument	25310353

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 26, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0024537572
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4085 PEPPER TREE LN SAN JOSE CA 951271238, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0024537572
Date	Jul 15, 2020
Instrument	24537572

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0024307079
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4085 PEPPER TREE LN SAN JOSE CA 951271238, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0024307079
Date	Oct 17, 2019
Instrument	24307079

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0024094253
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4085 PEPPER TREE LN SAN JOSE CA 951271238, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0024094253
Date	Jan 9, 2019
Instrument	24094253

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0023959486
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4085 PEPPER TREE LN SAN JOSE CA 951271238, SAN JOSE, CA 95127-1238

Mortgage

Document Number	0023959486
Date	Jun 20, 2018
Instrument	23959486

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 6, 2017
Property Address	4085 PEPPER TREE LN, SAN JOSE, CA 95127-1238
Document Number	0023771025
Instrument Date	Dec 12, 2016
Instrument	23771025
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	320 CRESCENT VILLAGE CIR #1341 SAN JOSE CA 951343053, 1341, SAN JOSE, CA 95134-3053

Tax Assessment & Valuation

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		$870,100 (+2%) Land $651,086 Building $219,014
2025	$12,106.00 (+4.03%)	$853,040 (+4.04%) Land $638,320 Building $214,720
2023	$11,637.00 (+2.55%)	$819,917 Land $613,534 Building $206,383
2022	$11,348.00

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 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

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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