100-County Underwriting Atlas › California › Santa Clara County

Santa Clara County, CA Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Santa Clara County PITIA Escrow Takeaway): In Santa Clara County, California, 1–4 unit investment properties carry an effective property tax rate of 0.77% ($802/mo on a $1,250,000 median acquisition) and landlord hazard/windstorm insurance averaging $495/yr per $100K ($516/mo), resulting in a combined monthly T&I escrow of $1,318/mo against a median Form 1007 rent of $6,800/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Santa Clara County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.77% ($802/mo)

Landlord Ins. / $100K

$495/yr ($516/mo)

1–4u Price / 75% Loan

$1,250,000 / $937,500

Form 1007 Median Rent

$6,800/mo

Santa Clara County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: California Prop 13: Reassessed to 100% of purchase price at acquisition; capped at max 2% annual inflation increase thereafter.
2. Hazard, Windstorm & Catastrophe Insurance Tier: Silicon Valley Seismic Overlay
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Santa Clara County, CA DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Santa Clara County Term Sheet →California State Hub CA Market Report CA Deal Team