805 Penitencia St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 805 Penitencia St, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,579 sqft · built 1962
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (Dec 2019)
Tax Bill	$12,457 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone AH (high risk)
APN	`022-14-019`

Property Details

APN / Parcel Number

Primary APN	`022-14-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,579 sqft Living Area
Gross Area	1,068 sqft
1st Floor Area	1,068 sqft
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	480 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	805 PENITENCIA ST
City	MILPITAS
State	CA
Zip	95035-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CURTNER ESTATES LOT 235
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

805 Penitencia St is owned and occupied by two individuals who bought it in December 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	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit MERIWEST CU
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 13, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 9, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Dec 26, 2018	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	201924357523
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 BENITONCIA ST, MILPITAS, CA 95035

Mortgage

Document Number	0025192672
Date	Dec 13, 2021
Instrument	25192672

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 3, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832

Mortgage

Document Number	0024692281
Date	Nov 6, 2020
Instrument	24692281

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	Nov 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 13, 2019
Property Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Document Number	0024357523
Map Reference	MAP 127 PG 8&9
Instrument Date	Dec 10, 2019
Instrument	24357523
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832

Mortgage

Document Number	0024357524
Date	Dec 13, 2019
Instrument	24357524

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Document Number	0024331464
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	805 PENITENCIA ST MILPITAS CA 950353832, MILPITAS, CA 95035-3832

Mortgage

Document Number	0024331464
Date	Nov 14, 2019
Instrument	24331464

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 26, 2018
Property Address	805 PENITENCIA ST, MILPITAS, CA 95035-3832
Document Number	0024087447
Instrument Date	Dec 20, 2018
Instrument	24087447
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	805 PENITENCIA ST MILPITAS CA 950353832, MILPITAS, CA 95035-3832

Mortgage

Document Number	24087448
Date	Dec 26, 2018
Instrument	24087448

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 805 Penitencia St was $12,457.

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		$1,080,484 (+2%) Land $645,325 Building $435,159
2025	$12,457.00	$1,059,299 Land $632,672 Building $426,627
2023	$12,100.00 (+0.41%)	$1,018,166 Land $608,105 Building $410,061
2022	$12,050.00

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

Flood

FEMA maps place 805 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 805 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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