10440 Duke Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 10440 Duke Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,076 sqft · built 2007
Lot Size	10.7 acres (468,270 sqft)
Owner	Company Name on Record
Tax Bill	$20,554 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`830-17-090`

Property Details

APN / Parcel Number

Primary APN	`830-17-090`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,076 sqft Living Area
1st Floor Area	2,060 sqft
2nd Floor Area	2,016 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	468,270 sqft
Garage Area	796 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10440 DUKE DR
City	GILROY
State	CA
Zip	95020-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HS
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2015
Census Tract	512402

Owner

Source: Santa Clara County records, as of July 27, 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	10440 DUKE DR, GILROY, CA 95020-9187
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 8, 2016
Transfer Doc	0023430340
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10440 DUKE DR, GILROY, CA 95020-9187
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024440380
Date	Mar 26, 2020
Instrument	24440380

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10440 DUKE DR, GILROY, CA 95020-9187
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 DUKE DR, GILROY, CA 95020-9187

Mortgage

Document Number	0024873139
Date	Mar 12, 2021
Instrument	24873139

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10440 DUKE DR, GILROY, CA 95020-9187
Document Number	0023966900
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 9, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10440 DUKE DR GILROY CA 950209187, GILROY, CA 95020-9187

Mortgage

Document Number	0023966900
Date	Jun 29, 2018
Instrument	23966900

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,726,680 (+2%) Land $881,452 Building $845,228
2025	$20,554.00 (+2.39%) Homeowner's exemption	$1,692,824 (+4.04%) Land $864,169 Building $828,655
2023	$20,075.00 (+1.82%) Homeowner's exemption	$1,627,091 Land $830,613 Building $796,478
2022	$19,716.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	32 (1986–2017)
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.6% 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	NEW AVENUE MUTUAL WATER COMPANY private · serves 305 people · EPA ID CA4300771
Water Source	Groundwater
Last State Inspection	Dec 2024
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Hankins Information Technology Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: AT&T, Etheric Networks, Frontier, South Valley Internet, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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