10883 Garza Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 10883 Garza Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,910 sqft · built 1973
Lot Size	0.99 acres (43,120 sqft)
Owner	Individual Name on Record
Last Sale	$627,000 (Dec 2003)
Tax Bill	$4,186 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2018 Mortgage
Flood Zone	Zone D (undetermined)
APN	`830-31-010`

Property Details

APN / Parcel Number

Primary APN	`830-31-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	1,550 sqft
1st Floor Area	1,550 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	43,120 sqft (0.99 acres)
Lot Dimensions	224 ft deep x 193 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	1,200 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Water Source	Well

Location & Zoning

Street Address	10883 GARZA LN
City	GILROY
State	CA
Zip	95020-9261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Subdivision	CATHERINE DUNNE RANCH MAP #1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2006
Census Tract	512401

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	10883 GARZA LN, GILROY, CA 95020-9261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2003 · Amount on Record
Deed Sale	Dec 8, 2003 · Amount on Record
Deed Document Number	200317517638
Prior Transfer Date	Dec 3, 2003
Prior Transfer Doc	0017517637
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 8, 2026
Property Address	10883 GARZA LN, GILROY, CA 95020-9261
Document Number	0026015007
Instrument Date	Jun 22, 2026
Instrument	202626015007
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	10883 GARZA LN, GILROY, CA 95020-9261

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	10883 GARZA LN, GILROY, CA 95020-9261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024036675
Date	Oct 4, 2018
Instrument	24036675

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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		$345,987 (+2%) Land $126,775 Building $219,212
2025	$4,186.00 (+2.45%) Homeowner's exemption	$339,204 (+4.04%) Land $124,290 Building $214,914
2023	$4,086.00 (+1.87%) Homeowner's exemption	$326,033 Land $119,464 Building $206,569
2022	$4,011.00

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 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1980–2000)
Most Recent Claim	Feb 2000 · rainfall accumulation

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	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.2% 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hankins Information Technology Fiber · Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: South Valley Internet, Verizon.

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