477 Mill River Ln, San Jose, CA 95134 Property Records

Santa Clara County property record for 477 Mill River Ln, San Jose, CA 95134

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,091 sqft · built 1991
Lot Size	0.037 acres (1,620 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Sep 2021)
Tax Bill	$19,475 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`097-64-019`

Property Details

APN / Parcel Number

Primary APN	`097-64-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,091 sqft Living Area
1st Floor Area	1,085 sqft
2nd Floor Area	1,006 sqft
Family Room	Family Room

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,620 sqft (0.037 acres)
Lot Dimensions	60 ft deep x 27 ft wide
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	477 MILL RIVER LN
City	SAN JOSE
State	CA
Zip	95134-2419
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A(PD)
Legal Description	LOT 19
Legal Subdivision	TRACT NO 8347
Legal Tract	8347
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1023
Census Tract	505006

Owner

477 Mill River Ln, a condominium, is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	477 MILL RIVER LN, SAN JOSE, CA 95134-2419
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
Sep 13, 2021	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Apr 25, 2018	Deed of Trust, Mortgage · ARM EAST WEST BANK
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CATHAY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Document Number	202125097300
Prior Transfer Date	Jul 26, 2011
Prior Transfer Doc	0021281967
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 13, 2021
Property Address	477 MILL RIVER LN, SAN JOSE, CA 95134-2419
Document Number	0025097300
Map Reference	MB 615 PG 48-50
Instrument Date	Sep 7, 2021
Instrument	25097300
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
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	477 MILL RIVER LN, SAN JOSE, CA 95134-2419

Mortgage

Document Number	0025097301
Date	Sep 13, 2021
Instrument	25097301

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	Other
Max Rate	8%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	477 MILL RIVER LN, SAN JOSE, CA 95134-2419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023917648
Date	Apr 25, 2018
Instrument	23917648

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	477 MILL RIVER LN, SAN JOSE, CA 95134-2419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024548520
Date	Jul 22, 2020
Instrument	24548520

Lender

Name	CATHAY BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 477 Mill River Ln was $19,475 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	San Jose City
Unified School District	Santa Clara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,480,000 (-7.02%) Land $740,000 Building $740,000
2025	$19,475.00 Homeowner's exemption	$1,591,812 Land $795,906 Building $795,906
2023	$18,926.00 (+1.49%) Homeowner's exemption	$1,530,000 Land $765,000 Building $765,000
2022	$18,648.00

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

Flood

FEMA maps place 477 Mill River Ln in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 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

Wildfire risk around 477 Mill River Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
Tekify Fiber & Wireless Fixed Wireless	144 / 32
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: GeoLinks, Ridge Wireless, Sail Internet.

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