410 E Central Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 410 E Central Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,162 sqft · built 2013
Lot Size	0.105 acres (4,600 sqft)
Owner	Individual Name on Record
Last Sale	$1,375,000 (Mar 2024)
Tax Bill	$15,930 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2021 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`726-22-069`

Property Details

APN / Parcel Number

Primary APN	`726-22-069`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,162 sqft Living Area
1st Floor Area	947 sqft
2nd Floor Area	1,215 sqft

Exterior

Year Built	Built 2013
Architectural Style	Other
Construction Type	Wood
Lot Area	4,600 sqft (0.105 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	410 E CENTRAL AVE
City	MORGAN HILL
State	CA
Zip	95037-5199
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TR 10079 LOT 13
Legal Tract	10079
Legal Lot Number	13
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512311

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	2 Co-owners on Record
Mailing Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2021	Deed of Trust, Mortgage · Line of Credit MERIWEST CU
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 9, 2018	Deed of Trust, Mortgage · Line of Credit MERIWEST CU
Nov 1, 2017	Deed of Trust, Mortgage · Line of Credit MERIWEST CU
Apr 12, 2017	Deed of Trust, Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 8, 2024 · Amount on Record
Deed Sale	Mar 8, 2024 · Amount on Record
Prior Sale	Feb 21, 2014
Deed Document Number	25607417
Record Updated	Jun 8, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 8, 2024
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Document Number	0025607417
Map Reference	MB 854 PG 4 THROUGH
Instrument Date	Feb 21, 2024
Instrument	25607417
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0025607418
Date	Mar 8, 2024
Instrument	25607418

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	1-Year CMT
Max Rate	11.3%

Mortgage

Document Number	0025607418
Date	Mar 8, 2024
Instrument	25607418

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	1-Year CMT
Max Rate	11.3%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0025162543
Date	Nov 12, 2021
Instrument	25162543

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E CENTRAL AVE, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0024962883
Date	May 17, 2021
Instrument	24962883

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 11, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0024709202
Date	Nov 18, 2020
Instrument	24709202

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Document Number	0023910875
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	410 E CENTRAL AVE MORGAN HILL CA 950375199, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0023910875
Date	Apr 17, 2018
Instrument	23910875

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153-5353

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 16, 2043

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Document Number	0023796650
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	410 E CENTRAL AVE MORGAN HILL CA 950375199, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0023796650
Date	Nov 8, 2017
Instrument	23796650

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153-5353

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 7, 2042

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	410 E CENTRAL AVE, MORGAN HILL, CA 95037-5199
Document Number	0023628756
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	410 E CENTRAL AVE MORGAN HILL CA 950375199, MORGAN HILL, CA 95037-5199

Mortgage

Document Number	0023628756
Date	Apr 19, 2017
Instrument	23628756

Lender

Name	OPES ADVISORS
Address	CUPERTINO, CA 95014

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2047

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	Morgan Hill City
Unified School District	Morgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$15,930.00 (+69.5%) Homeowner's exemption	$1,402,500 (+72.87%) Land $771,324 Building $631,176
2023	$9,398.00 (+1.71%)	$811,325 Land $353,475 Building $457,850
2022	$9,240.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 MORGAN HILL serves 47,374 people · EPA ID CA4310006
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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