445 Payne Ave, San Jose, CA 95128 Property Records

Santa Clara County property record for 445 Payne Ave, San Jose, CA 95128

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,102 sqft · built 1962
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,335,000 (Jan 2018)
Tax Bill	$20,771 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`279-21-026`

Property Details

APN / Parcel Number

Primary APN	`279-21-026`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,102 sqft Living Area
1st Floor Area	1,082 sqft
2nd Floor Area	1,020 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	372 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	445 PAYNE AVE
City	CAMPBELL
State	CA
Zip	95008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 3295 CENTRAL PARK BOOK 151 PAGE 10 LOT 111
Legal Subdivision	CENTRAL PARK
Legal Tract	3295
Legal Lot Number	111
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2005
Census Tract	506402

Owner

445 Payne Ave is owned and occupied by two individuals who bought it in January 2018.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Aug 14, 2018	Grant Deed, Transfer OPES ADVISORS
Jan 31, 2018	Grant Deed, Transfer CORNERSTONE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2018 · Amount on File
Deed Sale	Jan 31, 2018 · Amount on File
Prior Sale	Mar 30, 2016 · Amount on File
Deed Document Number	201823859482
Prior Transfer Date	Mar 28, 2016
Prior Transfer Doc	0023261287
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024296464
Date	Oct 3, 2019
Instrument	24296464

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125

Mortgage

Document Number	0024672081
Date	Oct 26, 2020
Instrument	24672081

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 14, 2018
Property Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125
Document Number	0024002851
Instrument Date	Aug 7, 2018
Instrument	24002851
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,606.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	445 PAYNE AVE SAN JOSE CA 951284125, SAN JOSE, CA 95128-4125

Mortgage

Document Number	24002852
Date	Aug 14, 2018
Instrument	24002852

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 31, 2018
Property Address	445 PAYNE AVE, SAN JOSE, CA 95128-4125
Document Number	0023859482
Instrument Date	Jan 29, 2018
Instrument	23859482
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,468.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4881 POPEJOY CT SAN JOSE CA 951182269, SAN JOSE, CA 95118-2269

Tax Assessment & Valuation

The 2025 property tax bill for 445 Payne Ave was $20,771 with a homeowner's exemption.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Campbell City
Elementary School District	Campbell Union Elementary School District (KG - 08)
Secondary School District	Campbell Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,661,225 (+2%) Land $1,137,827 Building $523,398
2025	$20,771.00 Homeowner's exemption	$1,628,653 Land $1,115,517 Building $513,136
2023	$19,849.00 (+0.73%) Homeowner's exemption	$1,565,412 Land $1,072,201 Building $493,211
2022	$19,706.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 445 Payne Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 445 Payne Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	SAN JOSE WATER private · serves 1,039,920 people · EPA ID CA4310011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2023
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 590 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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