444 Gemma Dr, Milpitas, CA 95035 Property Records

Santa Clara County property record for 444 Gemma Dr, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,964 sqft · built 1978
Lot Size	0.135 acres (5,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Aug 2018)
Tax Bill	$2,398 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`028-16-019`

Property Details

APN / Parcel Number

Primary APN	`028-16-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,964 sqft Living Area
1st Floor Area	1,204 sqft
2nd Floor Area	760 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,880 sqft (0.135 acres)
Lot Dimensions	105 ft deep x 56 ft wide
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	02816019
Street Address	444 GEMMA DR
City	MILPITAS
State	CA
Zip	95035-3645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1PUD
Legal Description	TRACT 5568 EASTBROOK BOOK 392 PAGE 43 PAGE 44 LOT 63
Legal Subdivision	EASTBROOK
Legal Tract	5568
Legal Lot Number	63
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1005
Census Tract	504414

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	444 GEMMA DR, MILPITAS, CA 95035-3645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Feb 12, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PATELCO CU
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Aug 3, 2018	Affidavit of Death, Transfer WESTERN RESOURCES TITLE
Aug 3, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	201823996469
Prior Transfer Date	Jun 5, 2018
Prior Transfer Doc	0023996469
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 GEMMA DR, MILPITAS, CA 95035-3645

Mortgage

Document Number	0025936346
Date	Jan 29, 2026
Instrument	25936346

Lender

Name	PATELCO CU
Type	Credit Union
Address	3 PARK PL, DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 GEMMA DR, MILPITAS, CA 95035-3645

Mortgage

Document Number	0025339225
Date	Jul 21, 2022
Instrument	25339225

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Aug 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	3%
Index	Prime Rate
Max Rate	17%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024114890
Date	Feb 12, 2019
Instrument	24114890

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2039

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024343725
Date	Nov 27, 2019
Instrument	24343725

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024365043
Date	Dec 24, 2019
Instrument	24365043

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 3, 2018
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Document Number	0023996468
Instrument Date	Jul 30, 2018
Instrument	23996468
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	WESTERN RESOURCES TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	444 GEMMA DR MILPITAS CA 950353645, MILPITAS, CA 95035-3645

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 3, 2018
Property Address	444 GEMMA DR, MILPITAS, CA 95035-3645
Document Number	0023996469
Map Reference	MB392 PG43&44
Instrument Date	Jun 5, 2018
Instrument	23996469
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	444 GEMMA DR, MILPITAS, CA 95035-3645

Mortgage

Document Number	0023996470
Date	Aug 3, 2018
Instrument	23996470

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Mortgage

Document Number	0023996471
Date	Aug 3, 2018
Instrument	23996471

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Milpitas City
Unified School District	Milpitas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$204,962 (+2%) Land $36,965 Building $167,997
2025	$2,398.00 (+2.13%) Homeowner's exemption	$200,944 (+4.04%) Land $36,241 Building $164,703
2023	$2,348.00 (+0.34%) Homeowner's exemption	$193,143 Land $34,835 Building $158,308
2022	$2,340.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	10 (1978–2014)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 2 claims

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 MILPITAS serves 81,915 people · EPA ID CA4310005
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 821 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	500 / 110
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks.

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