789 Penitencia St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 789 Penitencia St, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,314 sqft · built 1962
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Trust Names on File
Last Sale	$1,610,000 (Apr 2024)
Tax Bill	$18,892 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`022-14-021`

Property Details

APN / Parcel Number

Primary APN	`022-14-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	L-Shape
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	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	02214021
Street Address	789 PENITENCIA ST
City	MILPITAS
State	CA
Zip	95035-3830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2732 CURTNER ESTATES BOOK 127 PAGE 8 PAGE 9 LOT 233
Legal Subdivision	CURTNER ESTATES
Legal Tract	2732
Legal Lot Number	233
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	2
Census Block	2004
Census Tract	504507

Owner

789 Penitencia St is owner-occupied and held in a trust since April 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	789 PENITENCIA ST, MILPITAS, CA 95035-3830
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable 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
Dec 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 10, 2024	Grant Deed, Transfer · Conventional Mortgage STAR ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2024 · Amount on File
Deed Sale	Apr 10, 2024 · Amount on File
Deed Document Number	202425621422
Prior Transfer Date	Mar 13, 1996
Prior Transfer Doc	0013590255
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	789 PENITENCIA ST, MILPITAS, CA 95035-3830
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	789 PENITENCIA ST, MILPITAS, CA 95035-3830

Mortgage

Document Number	0025913163
Date	Dec 4, 2025
Instrument	25913163

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 SOUTH TRYON STREET, CHARLOTTE, NC 28280

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	Other
Max Rate	10.2%

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 10, 2024
Property Address	789 PENITENCIA ST, MILPITAS, CA 95035-3830
Document Number	0025621422
Map Reference	MB 127 PGS 8 AND 9
Instrument Date	Apr 1, 2024
Instrument	25621422
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount 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
Address	789 PENITENCIA ST, MILPITAS, CA 95035-3830

Mortgage

Document Number	0025621423
Date	Apr 10, 2024
Instrument	25621423

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	11.1%

Mortgage

Document Number	0025621423
Date	Apr 10, 2024
Instrument	25621423

Lender

Name	STAR ONE CU
Type	Credit Union
Address	PO BOX 3643, SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 789 Penitencia St was $18,892.

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		$1,675,044 (+2%) Land $1,256,283 Building $418,761
2025	$18,892.00	$1,642,200 Land $1,231,650 Building $410,550
2023	$821.00 (-0.36%) Homeowner's exemption	$68,328 Land $21,285 Building $47,043
2022	$824.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 789 Penitencia St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 789 Penitencia St is low, with a 0.01% annual chance of 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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