646 Spring Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 646 Spring Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,840 sqft · built 1972
Lot Size	0.909 acres (39,600 sqft)
Owner	Individual Name on Record
Last Sale	$750,500 (Feb 2018)
Tax Bill	$9,741 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2022 Line of Credit + 6 more
Flood Zone	Zone D (undetermined)
APN	`767-14-007`

Property Details

APN / Parcel Number

Primary APN	`767-14-007`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
1st Floor Area	920 sqft
2nd Floor Area	920 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	39,600 sqft (0.909 acres)
Lot Dimensions	120 ft deep x 330 ft wide
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	1,200 sqft
Carport	Carport
Carport Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	646 SPRING AVE
City	MORGAN HILL
State	CA
Zip	95037-4809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HS
Legal Description	DUNNE RANCH 3 CATHERINE MAP J2 936
Legal Subdivision	5123 13 DUNNE RANCH 3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2010
Census Tract	512313

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	Individual Name on Record
Mailing Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 7, 2020	Quit Claim Deed NOT AVAILABLE
Sep 24, 2020	Quit Claim Deed NOT AVAILABLE
Jan 25, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Feb 9, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 11, 2017	Deed in Lieu of Foreclosure, Foreclosure ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2018 · Amount on Record
Deed Sale	Feb 9, 2018 · Amount on Record
Prior Sale	Sep 11, 2017 · Amount on Record
Deed Document Number	201823864808
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809

Mortgage

Document Number	0025410301
Date	Dec 1, 2022
Instrument	25410301

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Transaction Type	Mortgage
Record Updated	Oct 14, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809

Mortgage

Document Number	0025382095
Date	Oct 5, 2022
Instrument	25382095

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024020075
Date	Sep 10, 2018
Instrument	24020075

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

December 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 7, 2020
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Document Number	0024738283
Instrument Date	Nov 19, 2020
Instrument	24738283
Record Updated	Dec 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	646 SPRING AVE MORGAN HILL CA 950374809, MORGAN HILL, CA 95037-4809

September 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 24, 2020
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Document Number	0024628899
Instrument Date	Jul 24, 2020
Instrument	24628899
Record Updated	Oct 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SPRING AVE MORGAN HILL CA 950374809, MORGAN HILL, CA 95037-4809

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Document Number	0024406256
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 SPRING AVE MORGAN HILL CA 950374809, MORGAN HILL, CA 95037-4809

Mortgage

Document Number	0024406256
Date	Feb 18, 2020
Instrument	24406256

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 9, 2018
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Document Number	0023864808
Map Reference	MB260 PG23
Instrument Date	Jan 31, 2018
Instrument	23864808
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	350 WRIGHT AVE, MORGAN HILL, CA 95037-4217

Mortgage

Document Number	0023864809
Date	Feb 9, 2018
Instrument	23864809

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

September 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 11, 2017
Property Address	646 SPRING AVE, MORGAN HILL, CA 95037-4809
Document Number	0023749572
Instrument Date	Sep 1, 2017
Instrument	23749572
Transaction Type	Foreclosure
Record Updated	Sep 15, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$791.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 BARCLAY ST NEW YORK NY 100072550, NEW YORK, NY 10007-2550

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Morgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$870,489 (+2%) Land $731,165 Building $139,324
2025	$9,741.00 (+3.24%) Homeowner's exemption	$853,422 (+4.04%) Land $716,829 Building $136,593
2023	$9,435.00 (+1.73%) Homeowner's exemption	$820,285 Land $688,995 Building $131,290
2022	$9,275.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 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	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 MORGAN HILL serves 47,374 people · EPA ID CA4310006
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: T-Mobile.

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