4085 Ross Ave, San Jose, CA 95124 Property Records

Santa Clara County property record for 4085 Ross Ave, San Jose, CA 95124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,105 sqft · built 1956
Lot Size	0.165 acres (7,192 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jan 2019)
Tax Bill	$17,222 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`419-03-023`

Property Details

APN / Parcel Number

Primary APN	`419-03-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,105 sqft Living Area
1st Floor Area	1,105 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,192 sqft (0.165 acres)
Lot Dimensions	116 ft deep x 62 ft wide
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4085 ROSS AVE
City	SAN JOSE
State	CA
Zip	95124-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 1538 ROSS ESTATES BOOK 62 PAGE 40 PAGE 41 LOT 35
Legal Subdivision	ROSS ESTATES
Legal Tract	1538
Legal Lot Number	35
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3019
Census Tract	502908

Owner

4085 Ross Ave is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STAR ONE CU
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 3, 2019	Grant Deed, Transfer TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Deed Document Number	201924090930
Prior Transfer Date	Nov 6, 2003
Prior Transfer Doc	0017471566
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727
Transaction Type	Mortgage
Record Updated	Sep 25, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727

Mortgage

Document Number	0025530190
Date	Sep 13, 2023
Instrument	25530190

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727

Mortgage

Document Number	0024801388
Date	Jan 26, 2021
Instrument	24801388

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024535062
Date	Jul 14, 2020
Instrument	24535062

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 3, 2019
Property Address	4085 ROSS AVE, SAN JOSE, CA 95124-3727
Document Number	0024090930
Instrument Date	Dec 12, 2018
Instrument	24090930
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
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	4085 ROSS AVE SAN JOSE CA 951243727, SAN JOSE, CA 95124-3727

Mortgage

Document Number	24090931
Date	Jan 3, 2019
Instrument	24090931

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Mortgage

Document Number	24090932,
Date	Jan 3, 2019
Instrument	24090932

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Ross Ave was $17,222.

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	Campbell Union High School District (09 - 12)
Elementary School District	Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,707,835 (+39.18%) Land $1,001,287 Building $706,548
2025	$17,222.00	$1,227,066 Land $981,654 Building $245,412
2023	$16,432.00 (+2.11%)	$1,179,419 Land $943,536 Building $235,883
2022	$16,093.00

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

Flood

FEMA maps place 4085 Ross Ave in Zone D, where flood risk has not been studied.

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 7 (15% premium discount)
Nearby Flood Policies	1 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

The area around 4085 Ross Ave 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	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 722 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 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Sail Internet.

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