581 Larch St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 581 Larch St, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,253 sqft · built 1960
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$325,500 (May 2006)
Tax Bill	$9,510 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`022-17-009`

Property Details

APN / Parcel Number

Primary APN	`022-17-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,253 sqft Living Area
1st Floor Area	1,253 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
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	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	02217009
Street Address	581 LARCH ST
City	MILPITAS
State	CA
Zip	95035-3811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2625 MILPITAS MANOR BOOK 115 PAGE 12 PAGE 13 LOT 471
Legal Subdivision	MILPITAS MANOR
Legal Tract	2625
Legal Lot Number	471
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1003
Census Tract	504507

Owner

581 Larch St is owned and occupied by two individuals who bought it in May 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	581 LARCH ST, MILPITAS, CA 95035-3811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 4, 2026	Deed of Trust, Mortgage · Line of Credit MERIWEST CREDIT UNION
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2006 · Amount on File
Deed Sale	May 26, 2006 · Amount on File
Prior Sale	Apr 15, 2005 · Amount on File
Deed Document Number	200618951354
Prior Transfer Date	Apr 13, 2005
Prior Transfer Doc	0018327170
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	May 4, 2026
Property Address	581 LARCH ST, MILPITAS, CA 95035-3811
Document Number	0025982551
Instrument Date	Apr 28, 2026
Instrument	202625982551
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	581 LARCH ST, MILPITAS, CA 95035-3811

Mortgage

Document Number	0025982551,
Date	May 4, 2026
Instrument	202625982551

Lender

Name	MERIWEST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 27, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	581 LARCH ST, MILPITAS, CA 95035-3811
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 LARCH ST, MILPITAS, CA 95035-3811

Mortgage

Document Number	0025051387
Date	Aug 2, 2021
Instrument	25051387

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 581 Larch St was $9,510 with a homeowner's exemption, up 2.9% 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		$823,739 (+2%) Land $351,598 Building $472,141
2025	$9,510.00 (+2.94%) Homeowner's exemption	$807,588 Land $344,704 Building $462,884
2024	$9,238.00 (+0.33%)
2023	$9,208.00 (+0.43%) Homeowner's exemption	$776,230 Land $331,320 Building $444,910
2022	$9,169.00

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

Flood

FEMA maps place 581 Larch St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 67 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	5 (1982–1997)
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 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 581 Larch 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	Indirect 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	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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