851 Pepper Pl, Milpitas, CA 95035 Property Records

Santa Clara County property record for 851 Pepper Pl, Milpitas, CA 95035

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,657 sqft · built 2017
Lot Size	0.034 acres (1,497 sqft)
Owner	Individual on Record
Last Sale	$1,500,000 (May 2024)
Tax Bill	$18,664 (2025)
Deeds & Mortgages	May 2024 Mortgage Apr 2022 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`086-91-014`

Property Details

APN / Parcel Number

Primary APN	`086-91-014`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,657 sqft Living Area
1st Floor Area	330 sqft
2nd Floor Area	657 sqft

Exterior

Year Built	Built 2017
Architectural Style	Other
Construction Type	Wood
Lot Area	1,497 sqft (0.034 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	851 PEPPER PL
City	MILPITAS
State	CA
Zip	95035-8145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M2S
Legal Description	TR 10218 UNIT 14
Legal Subdivision	10218 VILLAS/METRO
Legal Tract	10218
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	1
Census Block	1025
Census Tract	504509

Owner

Source: Santa Clara County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT CU
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 23, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Apr 11, 2018	Grant Deed, Subdivision Related Transfer · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Apr 11, 2018 · Amount on Record
Deed Document Number	25631685
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 BARCELONA LOOP, MILPITAS, CA 95035-8095

Mortgage

Document Number	0025631686
Date	May 3, 2024
Instrument	25631686

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	303 TWIN DOLPHIN DR, REDWOOD CITY, CA 94065

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2034
Min Rate At Change	3.5%
Max Rate At Change	9.5%
Index	Other
Margin	2
Max Rate	12.5%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Transaction Type	Mortgage
Record Updated	Apr 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 PEPPER PL, MILPITAS, CA 95035-8145

Mortgage

Document Number	0025276570
Date	Apr 6, 2022
Instrument	25276570

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024295073
Date	Oct 2, 2019
Instrument	24295073

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 PEPPER PL, MILPITAS, CA 95035-8145

Mortgage

Document Number	0024764236
Date	Dec 28, 2020
Instrument	24764236

Lender

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

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Document Number	0024294004
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 PEPPER PL MILPITAS CA 950358145, MILPITAS, CA 95035-8145

Mortgage

Document Number	0024294004
Date	Oct 1, 2019
Instrument	24294004

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Document Number	0024183870
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	851 PEPPER PL MILPITAS CA 950358145, MILPITAS, CA 95035-8145

Mortgage

Document Number	0024183870
Date	May 21, 2019
Instrument	24183870

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 11, 2018
Property Address	851 PEPPER PL, MILPITAS, CA 95035-8145
Document Number	0023908103
Map Reference	DOC23409693
Instrument Date	Apr 3, 2018
Instrument	23908103
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	851 PEPPER PL, MILPITAS, CA 95035-8145

Mortgage

Document Number	0023908104
Date	Apr 11, 2018
Instrument	23908104

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

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	$18,664.00 (+39.86%)	$1,530,000 (+44.8%) Land $918,000 Building $612,000
2023	$13,345.00 (+0.76%)	$1,056,656 Land $656,187 Building $400,469
2022	$13,245.00

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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