982 S Clover Ave, San Jose, CA 95128 Property Records

Santa Clara County property record for 982 S Clover Ave, San Jose, CA 95128

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,268 sqft · built 1953
Lot Size	0.178 acres (7,770 sqft)
Owner	2 Company Names on Record
Last Sale	$1,669,000 (Oct 2023)
Tax Bill	$22,262 (2025)
Deeds & Mortgages	Sep 2026 Transfer Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`279-06-015`

Property Details

APN / Parcel Number

Primary APN	`279-06-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,770 sqft (0.178 acres)
Lot Dimensions	111 ft deep x 70 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	982 S CLOVER AVE
City	SAN JOSE
State	CA
Zip	95128-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-8
Legal Description	TRACT 1116 CAPUTO ACRES BOOK 42 PAGE 3 LOT 109
Legal Subdivision	CAPUTO ACRES
Legal Tract	1116
Legal Lot Number	109
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SAN JOSE
Census Block Group	3
Census Block	3014
Census Tract	506401

Owner

Source: Santa Clara County records, as of October 19, 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	982 S CLOVER AVE, SAN JOSE, CA 95128-3322
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 13, 2023	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA
Dec 15, 2022	Deed of Trust, Mortgage · Reverse Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	202325544635
Last Transfer Date	Sep 9, 2026
Transfer Doc	0026050001
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 11, 2026
Property Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322
Document Number	0026050001
Instrument Date	Sep 9, 2026
Instrument	202626050001
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 13, 2023
Property Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322
Document Number	0025544635
Map Reference	MB 42 PG 3
Instrument Date	Oct 10, 2023
Instrument	25544635
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322

Mortgage

Document Number	0025544636
Date	Oct 13, 2023
Instrument	25544636

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Max Rate	11.2%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 S CLOVER AVE, SAN JOSE, CA 95128-3322

Mortgage

Document Number	0025416450
Date	Dec 15, 2022
Instrument	25416450

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.35%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2029
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.3%

Tax Assessment & Valuation

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
Elementary School District	Campbell Union Elementary School District (KG - 08)
Secondary School District	Campbell Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,736,347 (+2%) Land $1,302,164 Building $434,183
2025	$22,262.00 (+898.74%)	$1,702,302 (+2,267.73%) Land $1,276,632 Building $425,670
2023	$2,229.00 (+0.86%) Homeowner's exemption	$71,896 Land $27,507 Building $44,389
2022	$2,210.00

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.

Flood

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

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	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 576 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 Cable	2,000 / 250
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100

May also be available: Ridge Wireless, T-Mobile.

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