528 N 20th St, San Jose, CA 95112 Property Records

Santa Clara County property record for 528 N 20th St, San Jose, CA 95112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1950
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Company Names on Record
Last Sale	$599,000 (Mar 2006)
Tax Bill	$12,563 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jan 2023 Second Mortgage
Flood Zone	Zone D (undetermined)
APN	`249-24-016`

Property Details

APN / Parcel Number

Primary APN	`249-24-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	528 N 20TH ST
City	SAN JOSE
State	CA
Zip	95112-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 519 EMPIRE GARDENS BOOK 18 PAGE 39 LOT 5
Legal Subdivision	EMPIRE GARDENS
Legal Tract	519
Legal Lot Number	5
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1010
Census Tract	501102

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 Company Names on Record
Mailing Address	528 N 20TH ST, SAN JOSE, CA 95112-1745
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Intrafamily Transfer, Transfer
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2006 · Amount on Record
Deed Sale	Mar 15, 2006 · Amount on Record
Deed Document Number	200618845192
Last Transfer Date	Apr 18, 2025
Transfer Doc	0025915497
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 9, 2025
Property Address	528 N 20TH ST, SAN JOSE, CA 95112-1745
Document Number	0025915497
Map Reference	MB 18 PG 39
Instrument Date	Apr 18, 2025
Instrument	25915497
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N 20TH ST, SAN JOSE, CA 95112-1745

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	528 N 20TH ST, SAN JOSE, CA 95112-1745
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N 20TH ST, SAN JOSE, CA 95112-1745

Mortgage

Document Number	0025423611
Date	Jan 9, 2023
Instrument	25423611

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 1, 2042

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$834,934 (+2%) Land $613,312 Building $221,622
2025	$12,563.00 (+7.18%) Homeowner's exemption	$818,564 (+4.04%) Land $601,287 Building $217,277
2023	$11,721.00 (+0.78%) Homeowner's exemption	$786,781 Land $577,940 Building $208,841
2022	$11,630.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1997–2017)
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 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	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 847 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60

May also be available: GeoLinks, T-Mobile.

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