5849 Virtual Ln, San Jose, CA 95119 Property Records

Santa Clara County property record for 5849 Virtual Ln, San Jose, CA 95119

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,454 sqft · built 2019
Lot Size	0.043 acres (1,901 sqft)
Owner	Individual Name on File
Last Sale	$1,550,000 (Jul 2022)
Tax Bill	$20,282 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone D (undetermined)
APN	`706-56-023`

Property Details

APN / Parcel Number

Primary APN	`706-56-023`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,454 sqft Living Area
1st Floor Area	2,454 sqft

Exterior

Year Built	Built 2019
Architectural Style	Other
Construction Type	Wood
Lot Area	1,901 sqft (0.043 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5849 VIRTUAL LN
City	SAN JOSE
State	CA
Zip	95119-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I
Legal Description	TR 10466 LOT 23
Legal Subdivision	10466 URBAN OAK-RESIDENCES
Legal Tract	10466
Legal Lot Number	23
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3002
Census Tract	512032

Owner

5849 Virtual Ln is owned and occupied by an individual who bought it in July 2022.

Source: Santa Clara County records, as of October 20, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 28, 2022	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 2, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Jul 2, 2020 · Amount on File
Deed Document Number	25347761
Record Updated	Jun 8, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 28, 2022
Property Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753
Document Number	0025347761
Map Reference	MB 917 PG 41-50
Instrument Date	Jul 26, 2022
Instrument	25347761
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753

Mortgage

Document Number	0025347762
Date	Jul 28, 2022
Instrument	25347762

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.25%
Index	Other
Margin	3
Max Rate	9.25%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753

Mortgage

Document Number	0025279060
Date	Apr 11, 2022
Instrument	25279060

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 2, 2020
Property Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753
Document Number	0024526175
Map Reference	MB 917 PG 41-50
Instrument Date	May 29, 2020
Instrument	24526175
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2021
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	Community Property with Right of Survivorship
Address	5849 VIRTUAL LN, SAN JOSE, CA 95119-1753

Mortgage

Document Number	0024526176
Date	Jul 2, 2020
Instrument	24526176

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	3-Year CMT
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 5849 Virtual Ln was $20,282.

Source: Santa Clara County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	San Jose City
Secondary School District	East Side Union High School District (09 - 12)
Elementary School District	Oak Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$20,282.00	$1,440,000 Land $720,000 Building $720,000
2023	$20,340.00 (+17.95%)	$1,445,000 Land $722,500 Building $722,500
2022	$17,244.00

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

Flood

FEMA maps place 5849 Virtual Ln 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 5849 Virtual Ln 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	GREAT OAKS WC INC private · serves 112,582 people · EPA ID CA4310022
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless · Fiber in parts of the area	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Sail Internet.

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