473 Gemma Dr, Milpitas, CA 95035 Property Records

Santa Clara County property record for 473 Gemma Dr, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,008 sqft · built 1976
Lot Size	0.13 acres (5,665 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,270 (2025)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-16-003`

Property Details

APN / Parcel Number

Primary APN	`028-16-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,665 sqft (0.13 acres)
Lot Dimensions	103 ft deep x 55 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	02816003
Street Address	473 GEMMA DR
City	MILPITAS
State	CA
Zip	95035-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1PUD
Legal Description	TRACT 5567 EASTBROOK BOOK 364 PAGE 47 PAGE 48 LOT 3
Legal Subdivision	EASTBROOK
Legal Tract	5567
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1004
Census Tract	504414

Owner

Source: Santa Clara County records · APN 028-16-003

Assessment roll updated July 27, 2026 · Last verified August 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 File
Mailing Address	473 GEMMA DR, MILPITAS, CA 95035-3646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	473 GEMMA DR, MILPITAS, CA 95035-3646
Document Number	0023556031
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Jan 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	473 GEMMA DR MILPITAS CA 950353646, MILPITAS, CA 95035-3646

Mortgage

Document Number	0023556031
Date	Jan 12, 2017
Instrument	23556031

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2047

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 27, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$283,058 (+2%) Land $117,122 Building $165,936
2025	$3,270.00 (+2.09%) Homeowner's exemption	$277,509 (+4.04%) Land $114,826 Building $162,683
2023	$3,203.00 (+0.34%) Homeowner's exemption	$266,735 Land $110,368 Building $156,367
2022	$3,192.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 500 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: California Internet.

Based on FCC filings for 821 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MILPITAS serves 81,915 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.