1089 Byers St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1089 Byers St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1978
Lot Size	0.2 acres (8,704 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Jun 2005)
Tax Bill	$9,780 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-31-053`

Property Details

APN / Parcel Number

Primary APN	`808-31-053`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,704 sqft (0.2 acres)
Lot Dimensions	128 ft deep x 68 ft wide
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1089 BYERS ST
City	GILROY
State	CA
Zip	95020-5410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 6286 LOT 374
Legal Subdivision	6286 UN #11
Legal Tract	6286
Legal Lot Number	374
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2010
Census Tract	512510

Owner

1089 Byers St is owned and occupied by an individual who bought it in June 2005.

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

Owner of Record	Individual Name on File
Mailing Address	1089 BYERS ST, GILROY, CA 95020-5410
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
Jul 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2005 · Amount on File
Deed Sale	Jun 27, 2005 · Amount on File
Prior Sale	Oct 4, 2004 · Amount on File
Deed Document Number	200518441012
Prior Transfer Date	May 27, 2003
Prior Transfer Doc	0017084426
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1089 BYERS ST, GILROY, CA 95020-5410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023710496
Date	Jul 25, 2017
Instrument	23710496

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1089 BYERS ST, GILROY, CA 95020-5410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 BYERS ST, GILROY, CA 95020-5410

Mortgage

Document Number	0024594593
Date	Aug 31, 2020
Instrument	24594593

Lender

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

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1089 BYERS ST, GILROY, CA 95020-5410
Document Number	0024314539
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 BYERS ST GILROY CA 950205410, GILROY, CA 95020-5410

Mortgage

Document Number	0024314539
Date	Oct 28, 2019
Instrument	24314539

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 1089 Byers St was $9,780 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		$813,941 (+2%) Land $416,566 Building $397,375
2025	$9,780.00 Homeowner's exemption	$797,983 Land $408,399 Building $389,584
2023	$9,567.00 (+1.68%) Homeowner's exemption	$766,999 Land $392,542 Building $374,457
2022	$9,409.00

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

Flood

FEMA maps place 1089 Byers St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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 1089 Byers St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	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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