4228 Cosenza Loop, San Jose, CA 95134 Property Records

Santa Clara County property record for 4228 Cosenza Loop, San Jose, CA 95134

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,130 sqft · built 1993
Lot Size	0.02 acres (871 sqft)
Owner	2 Individual Names on Record
Last Sale	$855,000 (Jul 2019)
Tax Bill	$11,674 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`097-72-055`

Property Details

APN / Parcel Number

Primary APN	`097-72-055`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,130 sqft Living Area
1st Floor Area	512 sqft
2nd Floor Area	618 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1994
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	871 sqft (0.02 acres)
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4228 COSENZA LOOP
City	SAN JOSE
State	CA
Zip	95134-1535
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A(PD)
Legal Description	UNIT 127
Legal Subdivision	RENAISSANCE CONDO PH 03 04 05
Legal Tract	8581
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3000
Census Tract	505014

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	4228 COSENZA LOOP, SAN JOSE, CA 95134-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 29, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Sep 25, 2015 · Amount on Record
Deed Document Number	201924240926
Prior Transfer Date	Mar 4, 1998
Prior Transfer Doc	0014091283
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4228 COSENZA LOOP, SAN JOSE, CA 95134-1535
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 COSENZA LOOP, SAN JOSE, CA 95134-1535

Mortgage

Document Number	0024953235
Date	May 7, 2021
Instrument	24953235

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 29, 2019
Property Address	4228 COSENZA LOOP, SAN JOSE, CA 95134-1535
Document Number	0024240926
Map Reference	MB 648 PG 5&6
Instrument Date	Jul 19, 2019
Instrument	24240926
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	4228 COSENZA LOOP, SAN JOSE, CA 95134-1535

Mortgage

Document Number	0024240927
Date	Jul 29, 2019
Instrument	24240927

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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
Unified School District	Santa Clara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$953,762 (+2%) Land $476,881 Building $476,881
2025	$11,674.00 (+2.95%)	$935,062 (+4.04%) Land $467,531 Building $467,531
2023	$11,340.00 (+1.4%)	$898,754 Land $449,377 Building $449,377
2022	$11,183.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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	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	CITY OF SAN JOSE - NSJ/ALVISO serves 48,082 people · EPA ID CA4310019
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Jul 2024
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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Tekify Fiber & Wireless Fixed Wireless	425 / 80
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Sail Internet.

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