5480 del Oro Dr, San Jose, CA 95124 Property Records

Santa Clara County property record for 5480 del Oro Dr, San Jose, CA 95124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 1968
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$2,250,000 (Jul 2025)
Tax Bill	$8,616 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2021 Mortgage
Flood Zone	Zone D (undetermined)
APN	`527-36-020`

Property Details

APN / Parcel Number

Primary APN	`527-36-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,612 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	5480 DEL ORO DR
City	SAN JOSE
State	CA
Zip	95124-6111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 4319 BOOK 238 PAGE 49 LOT 13
Legal Subdivision	TRACT NO 4319
Legal Tract	4319
Legal Lot Number	13
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2007
Census Tract	506803

Owner

5480 del Oro Dr is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5480 DEL ORO DR, SAN JOSE, CA 95124-6111
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
Oct 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS FCU
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Sep 12, 1997 · Amount on File
Deed Document Number	202525829184
Prior Transfer Date	Dec 27, 1995
Prior Transfer Doc	0013143824
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5480 DEL ORO DR, SAN JOSE, CA 95124-6111
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5480 DEL ORO DR, SAN JOSE, CA 95124-6111

Mortgage

Document Number	0025885969
Date	Oct 17, 2025
Instrument	25885969

Lender

Name	TEACHERS FCU
Type	Credit Union
Address	102 MOTOR PKWY, HAUPPAUGE, NY 11788

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	Other
Margin	3
Max Rate	10.3%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5480 DEL ORO DR, SAN JOSE, CA 95124-6111
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5480 DEL ORO DR, SAN JOSE, CA 95124-6111

Mortgage

Document Number	0025067534
Date	Aug 17, 2021
Instrument	25067534

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5480 del Oro Dr was $8,616.

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
Secondary School District	Campbell Union High School District (09 - 12)
Elementary School District	Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,250,000 (+276.53%) Land $1,800,000 Building $450,000
2025	$8,616.00	$597,558 Land $287,403 Building $310,155
2023	$10,067.00 (+2.22%)	$574,356 Land $276,244 Building $298,112
2022	$9,848.00

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 5480 del Oro Dr in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 5480 del Oro Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 624 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Ridge Wireless, Sail Internet.

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