545 Penitencia St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 545 Penitencia St, Milpitas, CA 95035

Property Summary

Property Type	Multi-Family Dwellings
Details	3,699 sqft · built 1972
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on File
Last Sale	$566,500 (Oct 2025)
Tax Bill	$19,831 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`022-09-043`

Property Details

APN / Parcel Number

Primary APN	`022-09-043`

Interior

Units	4 Units
Stories	2 Stories
Building Area	3,699 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	545 PENITENCIA ST
City	MILPITAS
State	CA
Zip	95035-4253
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R3S
Legal Description	CURTNER ESTATES ANNEX LOT 6
Legal Subdivision	CURTNER ESTATES ANNEX
Legal Tract	3347
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2008
Census Tract	504507

Owner

545 Penitencia St, a residential property, is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	13666 VERDE VISTA CT, SARATOGA, CA 95070-4825
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
Mar 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 17, 2025	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 5, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
May 5, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Prior Sale	May 5, 2023 · Amount on File
Deed Document Number	202525885832
Prior Transfer Date	Oct 10, 2025
Prior Transfer Doc	0025885832
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	545 PENITENCIA ST, MILPITAS, CA 95035-4253
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13666 VERDE VISTA CT, SARATOGA, CA 95070-4825

Mortgage

Document Number	0025784426
Date	Mar 28, 2025
Instrument	25784426

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 17, 2025
Property Address	545 PENITENCIA ST, MILPITAS, CA 95035-4253
Document Number	0025885832
Map Reference	MB 161 PG 9
Instrument Date	Oct 10, 2025
Instrument	25885832
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Amount	Amount on Record
Tax	$623.15
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13666 VERDE VISTA CT, SARATOGA, CA 95070-4825

Mortgage

Document Number	0025885833
Date	Oct 17, 2025
Instrument	25885833

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	May 5, 2023
Property Address	545 PENITENCIA ST, MILPITAS, CA 95035-4253
Document Number	0025471206
Map Reference	MB 161 PG 9
Instrument Date	May 2, 2023
Instrument	25471206
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10727 SW 27TH AVE, GAINESVILLE, FL 32608-8937

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 5, 2023
Property Address	545 PENITENCIA ST, MILPITAS, CA 95035-4253
Document Number	0025471207
Map Reference	MB 161 PG 9
Instrument Date	Apr 25, 2023
Instrument	25471207
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Tenants in Common
Address	13666 VERDE VISTA CT, SARATOGA, CA 95070-4825

Mortgage

Document Number	0025471208
Date	May 5, 2023
Instrument	25471208

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 545 Penitencia St was $19,831, up 2.3% from the year before.

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

Year	Tax Bill	Assessed Value
2026		$1,740,047 (+2.29%) Land $1,074,136 Building $665,911
2025	$19,831.00 (+2.26%)	$1,701,054 Land $1,040,400 Building $660,654
2024	$19,392.00 (+750.9%)
2023	$2,279.00 (+0.22%)	$167,375 Land $37,717 Building $129,658
2022	$2,274.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 545 Penitencia St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 95 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	95 in force
Nearby Flood Claims	7 (1982–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 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

Wildfire risk around 545 Penitencia St is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 MILPITAS serves 81,915 people · EPA ID CA4310005
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, 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 752 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless · DSL in parts of the area	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	500 / 110
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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