Santa Clara County property record for 951 White Cloud Dr, Morgan Hill, CA 95037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,492 sqft · built 1998 |
| Lot Size | 0.181 acres (7,900 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,609,000 (Dec 2024) |
| Tax Bill | $18,778 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 779-52-007 |
| Primary APN | 779-52-007 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,492 sqft Living Area |
| 1st Floor Area | 1,291 sqft |
| 2nd Floor Area | 1,201 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 7,900 sqft (0.181 acres) |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | None |
| Heating System | HVAC |
|---|
| Street Address | 951 WHITE CLOUD DR |
|---|---|
| City | MORGAN HILL |
| State | CA |
| Zip | 95037-6061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TRACT 8699 BOOK 689 PAGE 21 PAGE 24 LOT 29 |
| Legal Subdivision | 8699 OAK CRK PH 2B |
| Legal Tract | 8699 |
| Legal Lot Number | 29 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 512307 |
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 | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU |
| Mar 25, 2022 | Deed of Trust, Mortgage · Line of Credit FREMONT BANK |
| Mar 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2024 · Amount on Record |
| Deed Sale | Dec 13, 2024 · Amount on Record |
| Prior Sale | Dec 1, 1998 · Amount on Record |
| Deed Document Number | 202425742502 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Document Number | 0025884229 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 25884229 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | 8945 CAL CENTER DR, SACRAMENTO, CA 95826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | Other |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Document Number | 0025268602 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 25268602 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 951 WHITE CLOUD DR, MORGAN HILL, CA 95037-6061 |
| Document Number | 0025268600 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 25268600 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2032 |
Source: Santa Clara County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | Morgan Hill City |
| Unified School District | Morgan Hill Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,445,000 (-10.19%) Land $898,000 Building $547,000 | |
| 2025 | $18,778.00 (+109.23%) | $1,609,000 (+116.61%) Land $1,000,000 Building $609,000 |
| 2023 | $8,975.00 (+1.64%) Homeowner's exemption | $742,809 Land $226,014 Building $516,795 |
| 2022 | $8,830.00 |
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.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MORGAN HILL serves 47,374 people · EPA ID CA4310006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Also Mapped Here | SANTA CLARA VALLEY WATER DISTRICT |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 693 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| Hankins Information Technology Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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