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

Santa Clara County property record for 545 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 Record
Last Sale	$1,310,000 (Apr 2019)
Tax Bill	$18,026 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`097-64-089`

Property Details

APN / Parcel Number

Primary APN	`097-64-089`

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	545 MILL RIVER LN
City	SAN JOSE
State	CA
Zip	95134-2428
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A(PD)
Legal Description	LOT 89
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

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	545 MILL RIVER LN, SAN JOSE, CA 95134-2428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Apr 19, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2019 · Amount on Record
Deed Sale	Apr 19, 2019 · Amount on Record
Prior Sale	Oct 11, 2016 · Amount on Record
Deed Document Number	201924160625
Prior Transfer Date	Sep 14, 1999
Prior Transfer Doc	0014988852
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428
Transaction Type	Mortgage
Record Updated	Jul 1, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428

Mortgage

Document Number	0025322840
Date	Jun 21, 2022
Instrument	25322840

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428

Mortgage

Document Number	0025028270
Date	Jul 14, 2021
Instrument	25028270

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 19, 2019
Property Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428
Document Number	0024160625
Map Reference	MB 615 PG 48-50
Instrument Date	Apr 1, 2019
Instrument	24160625
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLECOMPANY

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	545 MILL RIVER LN, SAN JOSE, CA 95134-2428

Mortgage

Document Number	0024160626
Date	Apr 19, 2019
Instrument	24160626

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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	Santa Clara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,490,550 (+2%) Land $745,275 Building $745,275
2025	$18,026.00 (+2.91%)	$1,461,324 (+4.04%) Land $730,662 Building $730,662
2023	$17,517.00 (+1.47%)	$1,404,582 Land $702,291 Building $702,291
2022	$17,263.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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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