4242 Cosenza Loop, San Jose, CA 95134 Property Records

Santa Clara County property record for 4242 Cosenza Loop, San Jose, CA 95134

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,405 sqft · built 1993
Lot Size	0.019 acres (871 sqft)
Owner	Individual Name on Record
Last Sale	$1,430,000 (Apr 2024)
Tax Bill	$17,818 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`097-72-062`

Property Details

APN / Parcel Number

Primary APN	`097-72-062`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,405 sqft Living Area
1st Floor Area	775 sqft
2nd Floor Area	630 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1994
Architectural Style	Other
Construction Type	Wood
Lot Area	871 sqft (0.019 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4242 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	TR 8581 UNIT 134
Legal Subdivision	RENAISSANCE CONDO PH 03 04 05
Legal Tract	8581
Legal Block	3
Legal Lot Number	1
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 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	Co-owner on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 12, 2024	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 12, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2024 · Amount on Record
Deed Sale	Apr 12, 2024 · Amount on Record
Prior Sale	Aug 12, 2022 · Amount on Record
Deed Document Number	25622578
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	4242 COSENZA LOOP, SAN JOSE, CA 95134-1529
Transaction Type	Mortgage
Record Updated	Nov 20, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4242 COSENZA LOOP, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0025898886
Date	Nov 12, 2025
Instrument	25898886

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	Other
Max Rate	10.5%

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 12, 2024
Property Address	4242 COSENZA LOOP, SAN JOSE, CA 95134-1529
Document Number	0025622578
Instrument Date	Apr 10, 2024
Instrument	25622578
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0025622579
Date	Apr 12, 2024
Instrument	25622579

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

Mortgage

Document Number	0025622579
Date	Apr 12, 2024
Instrument	25622579

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 12, 2022
Property Address	4242 COSENZA LOOP, SAN JOSE, CA 95134-1529
Document Number	0025357119
Map Reference	MB M911 PG 114
Instrument Date	Aug 1, 2022
Instrument	25357119
Transaction Type	Transfer
Record Updated	Aug 22, 2022
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
Address	4242 COSENZA LOOP, SAN JOSE, CA 95134-1529

Mortgage

Document Number	0025357120
Date	Aug 12, 2022
Instrument	25357120

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	Other
Max Rate	9.12%

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	San Jose City
Unified School District	Santa Clara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$17,818.00 (+19.4%)	$1,458,600 (+21.55%) Land $729,300 Building $729,300
2023	$14,923.00 (+59.08%)	$1,200,000 Land $600,000 Building $600,000
2022	$9,381.00

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 500 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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