1145 Bay Tree Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1145 Bay Tree Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,242 sqft · built 1988
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Company Names on Record
Last Sale	$310,000 (Sep 1998)
Tax Bill	$6,383 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`783-39-018`

Property Details

APN / Parcel Number

Primary APN	`783-39-018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,242 sqft Living Area
1st Floor Area	1,246 sqft
2nd Floor Area	996 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	118 ft deep x 60 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1145 BAY TREE DR
City	GILROY
State	CA
Zip	95020-7427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 7818 SOLIS RANCHO II BOOK 564 PAGE 50 PAGE 51 LOT 18
Legal Subdivision	SOLIS RANCHO 02
Legal Tract	7818
Legal Lot Number	18
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512516

Owner

Source: Santa Clara County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1145 BAY TREE DR, GILROY, CA 95020-7427
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CREDIT UNION
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 1998 · Amount on Record
Deed Sale	Sep 15, 1998 · Amount on Record
Deed Document Number	199814389985
Last Transfer Date	Feb 13, 2025
Transfer Doc	0025771833
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 1, 2026
Property Address	1145 BAY TREE DR, GILROY, CA 95020-7427
Document Number	0025965593
Instrument Date	Mar 26, 2026
Instrument	202625965593
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	ATLAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	1145 BAY TREE DR, GILROY, CA 95020-7427

Mortgage

Document Number	0025965593,
Date	Apr 1, 2026
Instrument	202625965593

Lender

Name	STAR ONE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1145 BAY TREE DR, GILROY, CA 95020-7427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024587662
Date	Aug 25, 2020
Instrument	24587662

Lender

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

Agreement

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

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$6,383.00 (+1.62%)	$519,279 (+4.04%) Land $194,382 Building $324,897
2024	$6,281.00 (+0.61%)
2023	$6,243.00 (+1.69%) Homeowner's exemption	$499,117 Land $186,835 Building $312,282
2022	$6,139.00

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 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	1 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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	100 / 20

May also be available: Frontier.

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