1075 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1075 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,839 sqft · built 1975
Lot Size	0.157 acres (6,825 sqft)
Owner	2 Individual Names on Record
Last Sale	$698,000 (Aug 2019)
Tax Bill	$9,358 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-014`

Property Details

APN / Parcel Number

Primary APN	`808-28-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,839 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,825 sqft (0.157 acres)
Lot Dimensions	105 ft deep x 65 ft wide
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	200 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1075 ORTEGA CIR
City	GILROY
State	CA
Zip	95020-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5616 LOT 190
Legal Subdivision	5616 CASTLEWOOD PARK UN 8
Legal Tract	5616
Legal Lot Number	190
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

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	2 Individual Names on Record
Mailing Address	1075 ORTEGA CIR, GILROY, CA 95020-5315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENERAL MORTGAGE CAPITAL CORP
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 23, 2019	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2019 · Amount on Record
Deed Sale	Aug 23, 2019 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	201924262878
Prior Transfer Date	Dec 12, 2005
Prior Transfer Doc	0018733120
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1075 ORTEGA CIR, GILROY, CA 95020-5315
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	878 HAMPSWOOD WAY, SAN JOSE, CA 95120-3316

Mortgage

Document Number	0025895477
Date	Nov 5, 2025
Instrument	25895477

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	1350 BAYSHORE HWY STE 740, BURLINGAME, CA 94010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1075 ORTEGA CIR, GILROY, CA 95020-5315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 ORTEGA CIR, GILROY, CA 95020-5315

Mortgage

Document Number	0024655006
Date	Oct 15, 2020
Instrument	24655006

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 23, 2019
Property Address	1075 ORTEGA CIR, GILROY, CA 95020-5315
Document Number	0024262878
Instrument Date	Aug 14, 2019
Instrument	24262878
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$767.80
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1075 ORTEGA CIR GILROY CA 950205315, GILROY, CA 95020-5315

Mortgage

Document Number	24262879
Date	Aug 23, 2019
Instrument	24262879

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

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		$778,627 (+2%) Land $428,244 Building $350,383
2025	$9,358.00 (+2.23%) Homeowner's exemption	$763,361 (+4.04%) Land $419,848 Building $343,513
2023	$9,154.00 (+1.68%) Homeowner's exemption	$733,721 Land $403,546 Building $330,175
2022	$9,003.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 630 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
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, T-Mobile, Verizon.

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