10745 1st St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 10745 1st St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Lot Size	0.526 acres (22,911 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jun 2019)
Tax Bill	$12,614 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2019 Sale + 3 more
Flood Zone	Zone D (undetermined)
APN	`830-01-004`

Property Details

APN / Parcel Number

Primary APN	`830-01-004`

Exterior

Lot Area	22,911 sqft (0.526 acres)

Location & Zoning

Street Address	10745 1ST ST
City	GILROY
State	CA
Zip	95020-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Subdivision	CATHERINE DUNNE RANCH MAP 4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3013
Census Tract	512401

Owner

10745 1st St is owned and occupied by two individuals who acquired it in November 2023.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10745 1ST ST, GILROY, CA 95020-9102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Jun 11, 2019	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jun 11, 2019	Deed, Transfer · ARM US BANK NA
May 13, 2019	Deed of Trust, Mortgage PRIVATE CAP FUND
Apr 10, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on File
Deed Sale	Jun 11, 2019 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	201924200814
Last Transfer Date	Nov 22, 2023
Transfer Doc	0025569245
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 30, 2023
Property Address	10745 1ST ST, GILROY, CA 95020-9102
Document Number	0025569245
Map Reference	VOL H PG 87
Instrument Date	Nov 22, 2023
Instrument	25569245
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10745 1ST ST, GILROY, CA 95020-9102

Mortgage

Document Number	0025569246
Date	Nov 30, 2023
Instrument	25569246

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Max Rate	11.7%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 11, 2019
Property Address	GILROY, CA 95020
Document Number	0024200814
Map Reference	MB G PG 92&93
Instrument Date	Jun 7, 2019
Instrument	24200814
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15295 LA ALAMEDA DR APT 4, 4, MORGAN HILL, CA 95037-5718

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 11, 2019
Property Address	GILROY, CA 95020
Document Number	0024200815
Map Reference	VOL H PG 87
Instrument Date	Jun 3, 2019
Instrument	24200815
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15295 LA ALAMEDA DR APT 4, 4, MORGAN HILL, CA 95037-5718

Mortgage

Document Number	0024200816
Date	Jun 11, 2019
Instrument	24200816

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	GILROY, CA 95020
Document Number	0024185258
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 5, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	853 GERONIMO ST GILROY CA 950209355, GILROY, CA 95020-9355

Mortgage

Document Number	0024185258
Date	May 22, 2019
Instrument	24185258

Lender

Name	PRIVATE CAP FUND
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 10, 2018
Property Address	GILROY, CA 95020
Document Number	0023906679
Instrument Date	Apr 5, 2018
Instrument	23906679
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$165.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	853 GERONIMO ST GILROY CA 950209355, GILROY, CA 95020-9355

Tax Assessment & Valuation

The 2025 property tax bill for 10745 1st St was $12,614.

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		$1,326,546 (+28.65%) Land $248,702 Building $1,077,844
2025	$12,614.00	$1,031,106 Land $243,826 Building $787,280
2023	$4,297.00 (+57.23%)	$336,435 Land $234,359 Building $102,076
2022	$2,733.00

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

Flood

FEMA maps place 10745 1st St in Zone D, where flood risk has not been studied.

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
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	26 in force

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

Wildfire risk around 10745 1st St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	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 · Fiber in parts of the area	100 / 20

May also be available: South Valley Internet.

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