655 Cayuga Dr, San Jose, CA 95123 Property Records

Santa Clara County property record for 655 Cayuga Dr, San Jose, CA 95123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1968
Lot Size	0.137 acres (5,974 sqft)
Owner	2 Individual Names on File
Last Sale	$971,000 (Feb 2019)
Tax Bill	$14,959 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`695-31-038`

Property Details

APN / Parcel Number

Primary APN	`695-31-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1969
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	5,974 sqft (0.137 acres)
Lot Dimensions	103 ft deep x 58 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	655 CAYUGA DR
City	SAN JOSE
State	CA
Zip	95123-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 4273 BOOK 227 PAGE 12 LOT 87
Legal Tract	4273
Legal Lot Number	87
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	4
Census Block	4006
Census Tract	512045

Owner

655 Cayuga Dr is owned and occupied by two individuals who bought it in February 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 19, 2019	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Prior Sale	Jun 2, 2015 · Amount on File
Deed Document Number	201924118070
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024343141
Date	Nov 27, 2019
Instrument	24343141

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506

Mortgage

Document Number	0024587718
Date	Aug 25, 2020
Instrument	24587718

Lender

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

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506
Document Number	0024483014
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	655 CAYUGA DR SAN JOSE CA 951235506, SAN JOSE, CA 95123-5506

Mortgage

Document Number	0024483014
Date	May 19, 2020
Instrument	24483014

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 19, 2019
Property Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506
Document Number	0024118070
Map Reference	MB 227 PG 11
Instrument Date	Feb 7, 2019
Instrument	24118070
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ORANGE COAST TITLE CO OF NOR

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	655 CAYUGA DR, SAN JOSE, CA 95123-5506

Mortgage

Document Number	0024118071
Date	Feb 19, 2019
Instrument	24118071

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 655 Cayuga Dr was $14,959 with a homeowner's exemption.

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

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
2026		$1,104,825 (+2%) Land $883,862 Building $220,963
2025	$14,959.00 Homeowner's exemption	$1,083,163 Land $866,532 Building $216,631
2023	$14,430.00 (+0.61%) Homeowner's exemption	$1,041,105 Land $832,885 Building $208,220
2022	$14,343.00

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

Flood

FEMA maps place 655 Cayuga Dr in Zone D, where flood risk has not been studied, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 655 Cayuga Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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	SAN JOSE WATER private · serves 1,039,920 people · EPA ID CA4310011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2023
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 783 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Ridge Wireless Fixed Wireless	100 / 60
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, Sail Internet, T-Mobile.

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