728 Garden St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 728 Garden St, Milpitas, CA 95035

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,670 sqft · built 2018
Lot Size	0.028 acres (1,230 sqft)
Owner	Trust Name on File
Last Sale	$1,010,000 (Sep 2019)
Tax Bill	$13,774 (2025)
Deeds & Mortgages	Mar 2022 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`086-03-104`

Property Details

APN / Parcel Number

Primary APN	`086-03-104`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,670 sqft Living Area
1st Floor Area	225 sqft
2nd Floor Area	708 sqft
Upper Floors Area	737 sqft

Exterior

Year Built	Built 2018
Architectural Style	Other
Construction Type	Wood
Lot Area	1,230 sqft (0.028 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	728 GARDEN ST
City	MILPITAS
State	CA
Zip	95035-5047
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	M1
Legal Description	TR 10375 UNIT 6
Legal Tract	10375
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1038
Census Tract	504509

Owner

728 Garden St, a condominium, is owner-occupied and held in a trust since March 2022.

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

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	728 GARDEN ST, MILPITAS, CA 95035-5047
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Intrafamily Transfer, Transfer
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 11, 2019	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Prior Sale	Sep 11, 2019 · Amount on File
Deed Document Number	0024277541
Last Transfer Date	Mar 29, 2022
Transfer Doc	0025271042
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 29, 2022
Property Address	728 GARDEN ST, MILPITAS, CA 95035-5047
Document Number	0025271042
Map Reference	MB 900 PG 34-42
Instrument Date	Dec 30, 2021
Instrument	25271042
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	728 GARDEN ST, MILPITAS, CA 95035-5047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	728 GARDEN ST, MILPITAS, CA 95035-5047
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 GARDEN ST, MILPITAS, CA 95035-5047

Mortgage

Document Number	0024900888
Date	Apr 1, 2021
Instrument	24900888

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 11, 2019
Property Address	728 GARDEN ST, MILPITAS, CA 95035-5047
Document Number	0024277541
Instrument Date	Jul 30, 2019
Instrument	24277541
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,111.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	728 GARDEN ST MILPITAS CA 950355047, MILPITAS, CA 95035-5047

Mortgage

Document Number	24277542
Date	Sep 11, 2019
Instrument	24277542

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 728 Garden St was $13,774.

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	$13,774.00	$1,104,576 Land $552,288 Building $552,288
2023	$13,360.00 (+0.73%)	$1,061,686 Land $530,843 Building $530,843
2022	$13,263.00

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

Flood

FEMA maps place 728 Garden St in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 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

The area around 728 Garden St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Sail Internet.

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