1085 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1085 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,570 sqft · built 1975
Lot Size	0.157 acres (6,825 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,035 (2025)
Deeds & Mortgages	Dec 2021 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-015`

Property Details

APN / Parcel Number

Primary APN	`808-28-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
1st Floor Area	1,570 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Exterior Material	Block
Construction Type	Wood
Lot Area	6,825 sqft (0.157 acres)
Lot Dimensions	105 ft deep x 65 ft wide
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1085 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 191
Legal Subdivision	5616 CASTLEWOOD PARK UN #8
Legal Tract	5616
Legal Lot Number	191
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

Owner

1085 Ortega Cir is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1085 ORTEGA CIR, GILROY, CA 95020-5315
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 29, 2021	Intrafamily Transfer, Transfer
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 7, 2021
Transfer Doc	0025208268
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 29, 2021
Property Address	1085 ORTEGA CIR, GILROY, CA 95020-5315
Document Number	0025208268
Map Reference	MB 356 PG 22&23
Instrument Date	Oct 7, 2021
Instrument	25208268
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	1085 ORTEGA CIR, GILROY, CA 95020-5315

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1085 ORTEGA CIR, GILROY, CA 95020-5315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 ORTEGA CIR, GILROY, CA 95020-5315

Mortgage

Document Number	0024670863
Date	Oct 26, 2020
Instrument	24670863

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1085 ORTEGA CIR, GILROY, CA 95020-5315
Document Number	0024314167
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1085 ORTEGA CIR GILROY CA 950205315, GILROY, CA 95020-5315

Mortgage

Document Number	0024314167
Date	Oct 28, 2019
Instrument	24314167

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1085 Ortega Cir was $2,035 with a homeowner's exemption.

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		$165,706 (+2%) Land $25,842 Building $139,864
2025	$2,035.00 Homeowner's exemption	$162,458 Land $25,336 Building $137,122
2023	$1,987.00 (+1.85%) Homeowner's exemption	$156,152 Land $24,353 Building $131,799
2022	$1,951.00

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

Flood

FEMA maps place 1085 Ortega Cir in Zone X, an area of moderate flood risk.

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

The area around 1085 Ortega Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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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