627 Mercado Ct, Milpitas, CA 95035 Property Records

Santa Clara County property record for 627 Mercado Ct, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,757 sqft · built 1982
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Apr 1996)
Tax Bill	$5,989 (2025)
Deeds & Mortgages	Nov 2022 Transfer Aug 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`028-07-032`

Property Details

APN / Parcel Number

Primary APN	`028-07-032`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,757 sqft Living Area
1st Floor Area	1,032 sqft
2nd Floor Area	725 sqft
Family Room	Family Room

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	02807032
Street Address	627 MERCADO CT
City	MILPITAS
State	CA
Zip	95035-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 6153 BOOK 434 PAGE 1 PAGE 2 LOT 35
Legal Tract	6153
Legal Lot Number	35
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1014
Census Tract	504414

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	627 MERCADO CT, MILPITAS, CA 95035-3649
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Intrafamily Transfer, Transfer
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage EXCITE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 1996 · Amount on Record
Deed Sale	Apr 2, 1996 · Amount on Record
Deed Document Number	199613242522
Deed Book / Page	268 / 987
Last Transfer Date	Nov 21, 2022
Transfer Doc	0025405888
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 21, 2022
Property Address	627 MERCADO CT, MILPITAS, CA 95035-3649
Document Number	0025405888
Map Reference	MB 434 PG 1&2
Instrument Date	Nov 21, 2022
Instrument	25405888
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	627 MERCADO CT, MILPITAS, CA 95035-3649

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	627 MERCADO CT, MILPITAS, CA 95035-3649
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 MERCADO CT, MILPITAS, CA 95035-3649

Mortgage

Document Number	0025077596
Date	Aug 25, 2021
Instrument	25077596

Lender

Name	EXCITE CU
Type	Credit Union
Address	SAN JOSE, CA 95125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

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		$508,312 (+2%) Land $228,740 Building $279,572
2025	$5,989.00 (+4.08%) Homeowner's exemption	$498,346 (+4.04%) Land $224,255 Building $274,091
2023	$5,754.00 (+0.4%) Homeowner's exemption	$478,997 Land $215,548 Building $263,449
2022	$5,731.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	10 (1978–2014)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 2 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Tekify Fiber & Wireless.

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