1045 Primrose Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1045 Primrose Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,834 sqft · built 1978
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Sep 2025)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Sep 2025 Sale Sep 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-41-039`

Property Details

APN / Parcel Number

Primary APN	`790-41-039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,834 sqft Living Area
1st Floor Area	845 sqft
2nd Floor Area	989 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1045 PRIMROSE LN
City	GILROY
State	CA
Zip	95020-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1PD
Legal Description	TRACT 6073 MIRA LOMA VALLEY BOOK 402 PAGE 42 PAGE 43 LOT 4
Legal Subdivision	MIRA LOMA VALLEY
Legal Tract	6073
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2013
Census Tract	512505

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	Individual Name on Record
Mailing Address	1045 PRIMROSE LN, GILROY, CA 95020-3936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Sep 22, 2025	Grant Deed, Transfer · Conventional Mortgage STANFORD FEDERAL CREDIT UNION A CRE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Deed Document Number	202525872516
Prior Transfer Date	Nov 29, 2005
Prior Transfer Doc	0018698730
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 24, 2025
Property Address	1045 PRIMROSE LN, GILROY, CA 95020-3936
Document Number	0025873698
Map Reference	MB 402 PG 42 & 43
Instrument Date	Sep 18, 2025
Instrument	25873698
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1045 PRIMROSE LN, GILROY, CA 95020-3936

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 22, 2025
Property Address	1045 PRIMROSE LN, GILROY, CA 95020-3936
Document Number	0025872516
Map Reference	MB 402 PG 42 & 43
Instrument Date	Sep 3, 2025
Instrument	25872516
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5384 MONTEREY HWY APT 3, 3, SAN JOSE, CA 95111-4242

Mortgage

Document Number	0025872517
Date	Sep 22, 2025
Instrument	25872517

Lender

Name	STANFORD FEDERAL CREDIT UNION A CRE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	5-Year CMT
Max Rate	11.1%

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	Gilroy City
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$900,000 (+469.88%) Land $360,000 Building $540,000
2025	$1,980.00 (+2.43%) Homeowner's exemption	$157,929 (+4.04%) Land $33,941 Building $123,988
2023	$1,933.00 (+1.84%) Homeowner's exemption	$151,798 Land $32,624 Building $119,174
2022	$1,898.00

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 · 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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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	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	CITY OF GILROY serves 59,426 people · EPA ID CA4310004
Water Source	Groundwater
Last State Inspection	Feb 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jun 2022
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 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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

May also be available: AT&T, Frontier, GeoLinks.

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