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640 E Central Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 640 E Central Ave, Morgan Hill, CA 95037 · Last verified October 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2000
Square Footage2,692 sqft Living Area
Lot Size7,223 sqft (0.165 acres)
OccupancyOwner Occupied
Last Sale$1,639,000 (2025)
Tax Bill$11,699.00 (2025)

Property Details

APN / Parcel Number

Primary APN726-21-062

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms9 Rooms
Building Area2,692 sqft Living Area
1st Floor1,380 sqft 1st Floor
2nd Floor1,312 sqft 2nd Floor
Family RoomFamily Room
Stories2 Stories

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2000
Architectural StyleOther Style
Construction TypeWood Construction
Lot Area7,223 sqft (0.165 acres)
Parking Spaces2 Parking Spaces
Garage Area687 sqft Garage

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address640 E CENTRAL AVE
CityMORGAN HILL
StateCA
Zip95037-3137
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTR 9052 LOT 3
Legal Tract9052
Legal Lot Number3
JurisdictionSANTA CLARA CA
Minor Civil DivisionSOUTH SANTA CLARA VALLEY
Census Blockgroup1
Census Block1012
Census Tract512311

Owner

Source: Santa Clara County records · APN 726-21-062

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2025Deed of Trust, Mortgage · Conventional Mortgage
BMO BANK NA
Jun 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN PACIFIC MORTGAGE CORP
Jun 23, 2021Deed of Trust, Mortgage · Commercial Mortgage
DARRELL NELSON
Mar 02, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleFeb 06, 2025 · Amount on Record
Deed SaleFeb 06, 2025 · Amount on Record
Prior SaleSep 25, 2015
Deed Doc Number25762730
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137
Transaction TypeMortgage
Record UpdatedNov 05, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137

Mortgage

Document Number0025890225
DateOct 27, 2025
Instrument25890225
Lender
NameBMO BANK NA
TypeBank
Address320 S CANAL ST, CHICAGO, IL 60606
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055
Interest
Rate TypeAdjustable Rate
Rate5.37%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateNov 01, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.3%
IndexOther
Max Rate10.3%

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137
Transaction TypeMortgage
Record UpdatedJul 02, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137

Mortgage

Document Number0025005068
DateJun 23, 2021
Instrument25005068
Lender
NameAMERICAN PACIFIC MORTGAGE CORP
TypeMortgage Company
AddressROSEVILLE, CA 95661
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137
Transaction TypeMortgage
Record UpdatedJul 02, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137

Mortgage

Document Number0025005069
DateJun 23, 2021
Instrument25005069
Lender
NameDARRELL NELSON
TypePrivate Party
Address548 LANSING CIR, BENICIA, CA 94510
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address640 E CENTRAL AVE, MORGAN HILL, CA 95037-3137
Document Number0023887397
Instrument DateMar 02, 2018
Transaction TypeMortgage
Record UpdatedMar 21, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 E CENTRAL AVE MORGAN HILL CA 950373137, MORGAN HILL, CA 95037-3137

Mortgage

Document Number0023887397
DateMar 14, 2018
Instrument23887397
Lender
NameBANK OF NAT'L TR & SVGS
TypeBank
AddressTAMPA, FL 33634
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityMorgan Hill City
Unified School DistrictMorgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$11,699.00 (+3.22%)$1,021,057 (+4.04%) Land $377,718 Building $643,339
2023$11,334.00 (+1.7%)$981,409 Land $363,051 Building $618,358
2022$11,145.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Clara County (06085C), updated January 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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