5540 del Oro Dr, San Jose, CA 95124 Property Records

Santa Clara County property record for 5540 del Oro Dr, San Jose, CA 95124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,852 sqft · built 1968
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,740,000 (Sep 2022)
Tax Bill	$24,500 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2017 Reverse Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`527-36-014`

Property Details

APN / Parcel Number

Primary APN	`527-36-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,852 sqft Living Area
1st Floor Area	1,852 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	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	5540 DEL ORO DR
City	SAN JOSE
State	CA
Zip	95124-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 4319 BOOK 238 PAGE 49 LOT 7
Legal Tract	4319
Legal Lot Number	7
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2007
Census Tract	506803

Owner

5540 del Oro Dr is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114
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 15, 2022	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Oct 27, 2017	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN PACIFIC MORTGAGE
Oct 29, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Deed Document Number	202225372696
Prior Transfer Date	Oct 29, 2021
Prior Transfer Doc	0025149584
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 15, 2022
Property Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114
Document Number	0025372696
Map Reference	MB 238 PG 48&49
Instrument Date	Sep 7, 2022
Instrument	25372696
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	CHICAGO 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	1729 N 1ST ST, SAN JOSE, CA 95112-4597

Mortgage

Document Number	0025372697
Date	Sep 15, 2022
Instrument	25372697

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	Other
Max Rate	9.12%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023787377
Date	Oct 27, 2017
Instrument	23787377

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.68%
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 29, 2021
Property Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114
Document Number	0025149584
Map Reference	MB 328 PG 48&49
Instrument Date	Oct 29, 2021
Instrument	25149584
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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
Relationship	Tenants in Common
Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5540 DEL ORO DR, SAN JOSE, CA 95124-6114
Document Number	0023787378
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5540 DEL ORO DR SAN JOSE CA 951246114, SAN JOSE, CA 95124-6114

Mortgage

Document Number	0023787378
Date	Oct 27, 2017
Instrument	23787378

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.68%

Tax Assessment & Valuation

The 2025 property tax bill for 5540 del Oro Dr was $24,500 with a homeowner's exemption, up 2.8% 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	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		$1,846,500 (+2%) Land $1,661,851 Building $184,649
2025	$24,500.00 (+2.78%) Homeowner's exemption	$1,810,295 Land $1,629,266 Building $181,029
2024	$23,838.00 (+1.94%)
2023	$23,385.00 (+89.83%) Homeowner's exemption	$1,740,000 Land $1,566,000 Building $174,000
2022	$12,319.00

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

Flood

FEMA maps place 5540 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 5540 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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