645 Fernleaf Dr, Milpitas, CA 95035 Property Records

Santa Clara County property record for 645 Fernleaf Dr, Milpitas, CA 95035

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,454 sqft · built 2014
Lot Size	0.022 acres (960 sqft)
Owner	Individual Name on Record
Last Sale	$1,380,000 (May 2022)
Tax Bill	$17,503 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`083-10-035`

Property Details

APN / Parcel Number

Primary APN	`083-10-035`
Alternative APN	`08673035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,454 sqft Living Area
1st Floor Area	494 sqft
2nd Floor Area	960 sqft

Exterior

Year Built	Built 2014
Architectural Style	Other
Construction Type	Wood
Lot Area	960 sqft (0.022 acres)
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	08673035
Street Address	645 FERNLEAF DR
City	MILPITAS
State	CA
Zip	95035-7991
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R3
Legal Description	TR 10087 UNIT 146
Legal Tract	10087
Legal Lot Number	14
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1016
Census Tract	505006

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 13, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Jan 15, 2015 · Amount on Record
Deed Document Number	25307642
Record Updated	Jun 8, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 23, 2022
Property Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991
Document Number	0025307642
Map Reference	MB 852 PG 38-44
Instrument Date	May 11, 2022
Instrument	25307642
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991

Mortgage

Document Number	0025307643
Date	May 23, 2022
Instrument	25307643

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991

Mortgage

Document Number	0024737891
Date	Dec 7, 2020
Instrument	24737891

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	645 FERNLEAF DR, MILPITAS, CA 95035-7991
Document Number	0023602148
Instrument Date	Aug 13, 2016
Transaction Type	Mortgage
Record Updated	Sep 18, 2018
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	645 FERNLEAF DR MILPITAS CA 950357991, MILPITAS, CA 95035-7991

Mortgage

Document Number	0023602148
Date	Mar 14, 2017
Instrument	23602148

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2025	$17,503.00 (+2.77%) Homeowner's exemption	$1,464,466 (+4.04%) Land $732,233 Building $732,233
2023	$17,031.00 (+62.35%) Homeowner's exemption	$1,407,600 Land $703,800 Building $703,800
2022	$10,490.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Sail Internet DSL · Fixed Wireless in parts of the area	1,000 / 1,000
Etheric Networks Fixed Wireless	250 / 100
Tekify Fiber & Wireless Fixed Wireless	166 / 37
Ridge Wireless Fixed Wireless	100 / 60
AT&T Fixed Wireless · DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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