10830 1st St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 10830 1st St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1940
Lot Size	0.27 acres (11,760 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (Jul 2021)
Tax Bill	$8,713 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`830-01-009`

Property Details

APN / Parcel Number

Primary APN	`830-01-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	11,760 sqft (0.27 acres)
Lot Dimensions	147 ft deep x 80 ft wide
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Water Source	Well

Location & Zoning

Street Address	10830 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	CARINE DUNNE RANCH #4
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3015
Census Tract	512401

Owner

10830 1st St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10830 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
Jul 13, 2021	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Feb 15, 2017	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP
Apr 4, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 16, 2017	Deed of Trust, Mortgage · FHA Mortgage WATERMARK CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Apr 8, 2014 · Amount on File
Deed Document Number	202125027088
Prior Transfer Date	Mar 26, 2018
Prior Transfer Doc	0023902276
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 13, 2021
Property Address	10830 1ST ST, GILROY, CA 95020-9102
Document Number	0025027088
Map Reference	MB H PG 87
Instrument Date	Jun 11, 2021
Instrument	25027088
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants
Address	10830 1ST ST, GILROY, CA 95020-9102

Mortgage

Document Number	0025027089
Date	Jul 13, 2021
Instrument	25027089

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10830 1ST ST, GILROY, CA 95020-9102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023583419
Date	Feb 15, 2017
Instrument	23583419

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 4, 2018
Property Address	10830 1ST ST, GILROY, CA 95020-9102
Document Number	0023902276
Map Reference	MB H PG87
Instrument Date	Mar 26, 2018
Instrument	23902276
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	10830 1ST ST, GILROY, CA 95020-9102

Mortgage

Document Number	0023902275
Date	Apr 4, 2018
Instrument	23902275

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10830 1ST ST, GILROY, CA 95020-9102
Document Number	0023814296
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10830 1ST ST GILROY CA 950209102, GILROY, CA 95020-9102

Mortgage

Document Number	0023814296
Date	Nov 29, 2017
Instrument	23814296

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10830 1st St was $8,713 with a veteran's exemption.

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		$815,000 (-5.78%) Land $611,200 Building $203,800
2025	$8,713.00	$865,000 Land $648,700 Building $216,300
2023	$9,489.00 (-14.51%)	$760,000 Land $570,000 Building $190,000
2022	$11,100.00

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

Flood

FEMA maps place 10830 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 10830 1st St is low, with a 0.04% 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	0.04% 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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