4240 Cosenza Loop, San Jose, CA 95134 Property Records

Santa Clara County property record for 4240 Cosenza Loop, San Jose, CA 95134

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 850 sqft · built 1993
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Nov 2019)
Tax Bill	$9,941 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`097-72-057`

Property Details

APN / Parcel Number

Primary APN	`097-72-057`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	850 sqft Living Area
1st Floor Area	850 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1994
Architectural Style	Custom Design
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	4240 COSENZA LOOP
City	SAN JOSE
State	CA
Zip	95134-1529
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A(PD)
Legal Description	UNIT U129
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 June 29, 2026

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
Mailing Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage RECOVCO MORTGAGE MANAGEMENT LLC
Nov 27, 2019	Grant Deed, Transfer · Conventional Mortgage FREMONT BANK
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG
May 4, 2017	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	May 4, 2017 · Amount on Record
Deed Document Number	201924342568
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0024724641
Date	Nov 25, 2020
Instrument	24724641

Lender

Name	RECOVCO MORTGAGE MANAGEMENT LLC
Type	Non-Lending Institution
Address	IRVING, TX 75038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 27, 2019
Property Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529
Document Number	0024342568
Map Reference	MB 648 PG 5&6
Instrument Date	Oct 24, 2019
Instrument	24342568
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO 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
Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0024342569
Date	Nov 27, 2019
Instrument	24342569

Lender

Name	FREMONT BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529
Document Number	0023838406
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018
Title Company	ENTITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4240 COSENZA LOOP #129 SAN JOSE CA 951341529, 129, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0023838406
Date	Dec 28, 2017
Instrument	23838406

Lender

Name	BETTER MTG
Type	Mortgage Company
Address	NEW YORK, NY 10013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 27, 2032

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 4, 2017
Property Address	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529
Document Number	0023640776
Map Reference	MAP648 PG5&6
Instrument Date	May 2, 2017
Instrument	23640776
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO 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	4240 COSENZA LOOP, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0023640777
Date	May 4, 2017
Instrument	23640777

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$9,941.00 (+1.7%)	$787,420 (+4.04%) Land $393,710 Building $393,710
2024	$9,775.00 (+1.27%)
2023	$9,652.00 (+1.38%)	$756,846 Land $378,423 Building $378,423
2022	$9,521.00

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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