97 E Saint James St, Apt 45, San Jose, CA 95112 Property Records

Santa Clara County property record for 97 E Saint James St, Apt 45, San Jose, CA 95112

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 885 sqft · built 1986
Lot Size	0.01 acres (435 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Oct 2020)
Tax Bill	$7,487 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone D (undetermined)
APN	`467-01-104`

Property Details

APN / Parcel Number

Primary APN	`467-01-104`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	885 sqft Living Area
1st Floor Area	885 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Construction Type	Concrete
Lot Area	435 sqft (0.01 acres)
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97 E SAINT JAMES ST, 45
City	SAN JOSE
State	CA
Zip	95112-4060
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	TRACT 7857 ST JAMES PLACE CONDO BOOK 564 PAGE 41 PAGE 42
Legal Subdivision	TRACT NO 7857
Legal Tract	7857
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3001
Census Tract	501000

Owner

97 E Saint James St, Apt 45 is owned by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	546 LA CONNER DR, SUNNYVALE, CA 94087-5712
Owner Type	Individual

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
Oct 22, 2020	Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Apr 29, 2014 · Amount on File
Deed Document Number	202024665643
Prior Transfer Date	Apr 23, 2014
Prior Transfer Doc	0022708633
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 22, 2020
Property Address	97 E SAINT JAMES ST APT 45, 45, SAN JOSE, CA 95112-4060
Document Number	0024665643
Map Reference	MB 564 PG 41&42
Instrument Date	Sep 24, 2020
Instrument	24665643
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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
Address	97 E SAINT JAMES ST APT 45, 45, SAN JOSE, CA 95112-4060

Mortgage

Document Number	0024665644
Date	Oct 22, 2020
Instrument	24665644

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	97 E SAINT JAMES ST APT 45, 45, SAN JOSE, CA 95112-4060
Document Number	0024475672
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 E SAINT JAMES ST #45 SAN JOSE CA 951124060, 45, SAN JOSE, CA 95112-4060

Mortgage

Document Number	0024475672
Date	May 11, 2020
Instrument	24475672

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 97 E Saint James St, Apt 45 was $7,487.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	San Jose City
Unified School District	San Jose Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$475,000 (-14.79%) Land $237,500 Building $237,500
2025	$7,487.00	$557,452 Land $278,726 Building $278,726
2023	$6,482.00 (-6.19%)	$495,000 Land $247,500 Building $247,500
2022	$6,910.00

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

Flood

FEMA maps place 97 E Saint James St, Apt 45 in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 97 E Saint James St, Apt 45 is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SAN JOSE WATER private · serves 1,039,920 people · EPA ID CA4310011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Sail Internet Fixed Wireless · DSL in parts of the area	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Astound Broadband, GeoLinks.

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