Santa Clara County property record for 972 White Cloud Dr, Morgan Hill, CA 95037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,329 sqft · built 1999 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $490,000 (Feb 2000) |
| Tax Bill | $9,030 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Dec 2019 Transfer + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 779-52-076 |
| Primary APN | 779-52-076 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,329 sqft Living Area |
| 1st Floor Area | 1,281 sqft |
| 2nd Floor Area | 1,048 sqft |
| Family Room | Family Room |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 972 WHITE CLOUD DR |
|---|---|
| City | MORGAN HILL |
| State | CA |
| Zip | 95037-6064 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TRACT 9130 LOT 2 |
| Legal Subdivision | 9130 OAK CRK SUB-PH 3 |
| Legal Tract | 9130 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 512307 |
Source: Santa Clara County records, as of August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 30, 2023 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU |
| Dec 10, 2019 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Dec 10, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Sep 26, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2000 · Amount on Record |
| Deed Sale | Feb 28, 2000 · Amount on Record |
| Deed Document Number | 200015164799 |
| Last Transfer Date | Apr 16, 2010 |
| Transfer Doc | 0020690667 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2023 |
| Title Company | STEWART TITLE GURANTY, STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0025455616 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 25455616 |
| Name | COMMONWEALTH CENTRAL CU |
|---|---|
| Type | Credit Union |
| Address | SAN JOSE, CA 95164 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Dec 10, 2019 |
| Property Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0024353328 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 24353328 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 972 WHITE CLOUD DR MORGAN HILL CA 950376064, MORGAN HILL, CA 95037-6064 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Dec 10, 2019 |
| Property Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0024353326 |
| Map Reference | MB 724 PG 43-46 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 24353326 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0024353327 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 24353327 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0023747073 |
| Instrument Date | Aug 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 972 WHITE CLOUD DR MORGAN HILL CA 950376064, MORGAN HILL, CA 95037-6064 |
| Document Number | 0023747073 |
|---|---|
| Date | Sep 7, 2017 |
| Instrument | 23747073 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Sep 26, 2017 |
| Property Address | 972 WHITE CLOUD DR, MORGAN HILL, CA 95037-6064 |
| Document Number | 0023761926 |
| Instrument Date | Jul 3, 2017 |
| Instrument | 23761926 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 972 WHITE CLOUD DR MORGAN HILL CA 950376064, MORGAN HILL, CA 95037-6064 |
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 | $768,162 (+2%) Land $274,341 Building $493,821 | |
| 2025 | $9,030.00 (+3.09%) Homeowner's exemption | $753,101 (+4.04%) Land $268,962 Building $484,139 |
| 2023 | $8,759.00 (+1.64%) Homeowner's exemption | $723,860 Land $258,519 Building $465,341 |
| 2022 | $8,618.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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