838 Garden St, Milpitas, CA 95035 Property Records

Santa Clara County property record for 838 Garden St, Milpitas, CA 95035

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,103 sqft · built 2018
Lot Size	0.029 acres (1,277 sqft)
Owner	Individual Name on Record
Last Sale	$880,000 (Feb 2026)
Tax Bill	$9,811 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`086-96-006`

Property Details

APN / Parcel Number

Primary APN	`086-96-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,103 sqft Living Area
1st Floor Area	148 sqft
2nd Floor Area	480 sqft

Exterior

Year Built	Built 2018
Architectural Style	Other
Construction Type	Wood
Lot Area	1,277 sqft (0.029 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	838 GARDEN ST
City	MILPITAS
State	CA
Zip	95035-3876
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD
Legal Description	TR 10349 UNIT 106
Legal Tract	10349
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1038
Census Tract	504509

Owner

Source: Santa Clara County records, as of February 12, 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	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	838 GARDEN ST, MILPITAS, CA 95035-3876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Feb 5, 2026	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
May 21, 2019	Deed of Trust, Mortgage · ARM PNC BANK NA
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Feb 5, 2026 · Amount on Record
Deed Sale	Feb 5, 2026 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	25940143
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	838 GARDEN ST, MILPITAS, CA 95035-3876
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 GARDEN ST, MILPITAS, CA 95035-3876

Mortgage

Document Number	0025085782
Date	Sep 1, 2021
Instrument	25085782

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 5, 2026
Property Address	838 GARDEN ST, MILPITAS, CA 95035-3876
Document Number	0025940143
Map Reference	MB 898 PG 33 - 39
Instrument Date	Jan 30, 2026
Instrument	25940143
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$968.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 GARDEN ST, MILPITAS, CA 95035-3876

Mortgage

Document Number	0025940144
Date	Feb 5, 2026
Instrument	25940144

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	838 GARDEN ST, MILPITAS, CA 95035-3876
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024184377
Date	May 21, 2019
Instrument	24184377

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	838 GARDEN ST, MILPITAS, CA 95035-3876
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024524185
Date	Jul 1, 2020
Instrument	24524185

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

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	$9,811.00 (+3.56%)	$756,652 (+4.04%) Land $378,326 Building $378,326
2023	$9,474.00 (+1.74%)	$727,272 Land $363,636 Building $363,636
2022	$9,312.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 596 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 Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60

May also be available: GeoLinks, Sail Internet, T-Mobile.

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