656 S Clover Ave, San Jose, CA 95128 Property Records

Santa Clara County property record for 656 S Clover Ave, San Jose, CA 95128

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,859 sqft · built 1953
Lot Size	0.215 acres (9,380 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Jun 2002)
Tax Bill	$12,268 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`279-03-015`

Property Details

APN / Parcel Number

Primary APN	`279-03-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	1,775 sqft
1st Floor Area	1,775 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,380 sqft (0.215 acres)
Lot Dimensions	134 ft deep x 70 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	656 S CLOVER AVE
City	SAN JOSE
State	CA
Zip	95128-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 821 CAPUTO ACRES BOOK 38 PAGE 29 LOT 28
Legal Subdivision	CAPUTO ACRES
Legal Tract	821
Legal Lot Number	28
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3006
Census Tract	506401

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	2 Individual Names on Record
Mailing Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2017	Deed of Trust, Mortgage · ARM BOFI FEDERAL BANK
Feb 17, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 23, 2020	Deed of Trust, Mortgage CASHCALL
Oct 1, 2019	Loan Modification, Mortgage AXOS BK
Nov 7, 2018	Quit Claim Deed, Transfer · Conventional Mortgage VAL-CHRIS INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2002 · Amount on Record
Deed Sale	Jun 28, 2002 · Amount on Record
Prior Sale	Jun 28, 2002 · Amount on Record
Deed Document Number	200216335091
Prior Transfer Date	Jun 2, 1997
Prior Transfer Doc	0013754179
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023763391
Date	Sep 27, 2017
Instrument	23763391

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	11.7%
Index	1-Year LIBOR
Max Rate	11.7%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 17, 2022
Property Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Document Number	0025242939
Map Reference	MB 38 PG 29
Instrument Date	Feb 1, 2022
Instrument	25242939
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316

Mortgage

Document Number	0025242940
Date	Feb 17, 2022
Instrument	25242940

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Document Number	0024394561
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	656 S CLOVER AVE SAN JOSE CA 951283316, SAN JOSE, CA 95128-3316

Mortgage

Document Number	0024394561
Date	Feb 3, 2020
Instrument	24394561

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CLARA CA
Property Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Document Number	0024317303
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 S CLOVER AVE SAN JOSE CA 951283316, SAN JOSE, CA 95128-3316

Mortgage

Document Number	0024317303
Date	Oct 30, 2019
Instrument	24317303

Lender

Name	AXOS BK

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Oct 29, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.37%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 7, 2018
Property Address	656 S CLOVER AVE, SAN JOSE, CA 95128-3316
Document Number	0024057195
Instrument Date	Oct 17, 2018
Instrument	24057195
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	656 S CLOVER AVE SAN JOSE CA 951283316, SAN JOSE, CA 95128-3316

Mortgage

Document Number	24057196
Date	Nov 7, 2018
Instrument	24057196

Lender

Name	VAL-CHRIS INVS
Type	MERS
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	San Jose City
Elementary School District	Campbell Union Elementary School District (KG - 08)
Secondary School District	Campbell Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$891,715 (+2%) Land $602,732 Building $288,983
2025	$12,268.00 (+5.37%)	$874,231 (+4.04%) Land $590,914 Building $283,317
2023	$11,643.00 (+0.64%)	$840,285 Land $567,969 Building $272,316
2022	$11,569.00

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

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Not rated no burnable land 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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Sonic Telecom.

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