781 Penitencia St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 781 Penitencia St, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,497 sqft · built 1962
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,290,000 (Jan 2021)
Tax Bill	$16,295 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`022-14-022`

Property Details

APN / Parcel Number

Primary APN	`022-14-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,497 sqft Living Area
Gross Area	1,016 sqft
1st Floor Area	1,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Canal/Waterfront
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	781 PENITENCIA ST
City	MILPITAS
State	CA
Zip	95035-3830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CURTNER ESTATES LOT 232
Legal Subdivision	CURTNER ESTATES
Legal Tract	2732
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2004
Census Tract	504507

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 Company Names on Record
Mailing Address	10642 N PORTAL AVE, CUPERTINO, CA 95014-2449
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 11, 2018	Grant Deed, Transfer · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Prior Sale	May 11, 2018 · Amount on Record
Deed Document Number	202124808388
Prior Transfer Date	May 9, 1994
Prior Transfer Doc	0012501154
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 29, 2021
Property Address	781 PENITENCIA ST, MILPITAS, CA 95035-3830
Document Number	0024808388
Map Reference	MB 127 PG 8
Instrument Date	Jan 15, 2021
Instrument	24808388
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ORANGE COAST TTL CO OF NOCAL

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	658 PENITENCIA ST, MILPITAS, CA 95035-4228
Investor	Possibly a Property Investor

Mortgage

Document Number	0024808389
Date	Jan 29, 2021
Instrument	24808389

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	781 PENITENCIA ST, MILPITAS, CA 95035-3830
Document Number	0024362635
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	658 PENITENCIA ST MILPITAS CA 950354228, MILPITAS, CA 95035-4228

Mortgage

Document Number	0024362635
Date	Dec 20, 2019
Instrument	24362635

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 11, 2018
Property Address	781 PENITENCIA ST, MILPITAS, CA 95035-3830
Document Number	0023930439
Instrument Date	May 7, 2018
Instrument	23930439
Transaction Type	Transfer
Record Updated	May 23, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	781 PENITENCIA ST MILPITAS CA 950353830, MILPITAS, CA 95035-3830

Mortgage

Document Number	23930440
Date	May 11, 2018
Instrument	23930440

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

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	Milpitas City
Unified School District	Milpitas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,424,260 (+2%) Land $925,770 Building $498,490
2025	$16,295.00 (+2.72%)	$1,396,334 (+4.04%) Land $907,618 Building $488,716
2023	$15,864.00 (+0.42%)	$1,342,115 Land $872,375 Building $469,740
2022	$15,797.00

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 95 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	95 in force
Nearby Flood Claims	7 (1982–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 3 claims

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sail Internet Fixed Wireless · DSL in parts of the area	1,000 / 200
Tekify Fiber & Wireless Fixed Wireless	500 / 110
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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