988 White Cloud Dr, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 988 White Cloud Dr, Morgan Hill, CA 95037 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 2000
Lot Size	0.142 acres (6,225 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Mar 2012)
Tax Bill	$6,774 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`779-52-083`

Property Details

APN / Parcel Number

Primary APN	`779-52-083`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft

Exterior

Year Built	Built 2000
Architectural Style	Other
Construction Type	Wood
Lot Area	6,225 sqft (0.142 acres)
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	988 WHITE CLOUD DR
City	MORGAN HILL
State	CA
Zip	95037-6071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 9130 LOT 10
Legal Tract	9130
Legal Lot Number	10
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3019
Census Tract	512307

Owner

Source: Santa Clara County records · APN 779-52-083

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 14, 2017	Deed of Trust, Mortgage · Line of Credit OPERATING ENGINEERS CU
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPERATING ENGINEERS CU
Apr 10, 2017	Deed of Trust, Mortgage · Line of Credit OPERATING ENGINEERS #3 FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 29, 2012 · Amount on Record
Deed Sale	Mar 29, 2012 · Amount on Record
Prior Sale	Jan 13, 2012 · Amount on Record
Deed Document Number	21603163
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 30, 2026
Property Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Document Number	0026030496
Instrument Date	Jul 24, 2026
Instrument	202626030496
Transaction Type	Mortgage
Record Updated	Aug 05, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071

Mortgage

Document Number	0026030496,
Date	Jul 30, 2026
Instrument	202626030496

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071

Mortgage

Document Number	0025630081
Date	Apr 30, 2024
Instrument	25630081

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Document Number	0023831960
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	988 WHITE CLOUD DR MORGAN HILL CA 950376071, MORGAN HILL, CA 95037-6071

Mortgage

Document Number	0023831960
Date	Dec 20, 2017
Instrument	23831960

Lender

Name	OPERATING ENGINEERS CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Document Number	0023831959
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	988 WHITE CLOUD DR MORGAN HILL CA 950376071, MORGAN HILL, CA 95037-6071

Mortgage

Document Number	0023831959
Date	Dec 20, 2017
Instrument	23831959

Lender

Name	OPERATING ENGINEERS CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	988 WHITE CLOUD DR, MORGAN HILL, CA 95037-6071
Document Number	0023625933
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	988 WHITE CLOUD DR MORGAN HILL CA 950376071, MORGAN HILL, CA 95037-6071

Mortgage

Document Number	0023625933
Date	Apr 14, 2017
Instrument	23625933

Lender

Name	OPERATING ENGINEERS #3 FCU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$6,774.00 (+3.01%)	$546,373 (+4.04%) Land $301,446 Building $244,927
2023	$6,576.00 (+1.59%)	$525,159 Land $289,742 Building $235,417
2022	$6,473.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Clara County (06085C), updated January 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060855123073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 693 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Verizon	Fixed Wireless	300 / 20
Etheric Communications, LLC.	Fixed Wireless (licensed-by-rule)	250 / 100
Hankins Information Technology	Fixed Wireless (unlicensed)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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