1145 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1145 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,839 sqft · built 1976
Lot Size	0.164 acres (7,150 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Sep 2017)
Tax Bill	$9,153 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-021`

Property Details

APN / Parcel Number

Primary APN	`808-28-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,839 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1145 ORTEGA CIR
City	GILROY
State	CA
Zip	95020-5317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5616 LOT 197
Legal Subdivision	5616 CASTLEWOOD PARK UN #8
Legal Tract	5616
Legal Lot Number	197
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit NATIONSTAR MORTGAGE LLC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional with PMI CITYWIDE HMS LNS
Sep 8, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Sep 8, 2017	Grant Deed, Transfer · FHA Mortgage CITYWIDE HMS LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	May 18, 2012 · Amount on Record
Deed Document Number	201723748614
Prior Transfer Date	Sep 7, 2017
Prior Transfer Doc	0023748615
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Investor	Possibly a Property Investor

Mortgage

Document Number	0025921426
Date	Dec 19, 2025
Instrument	25921426

Lender

Name	ALLIANT CU
Type	Credit Union
Address	11545 W TOUHY AVE, CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 ORTEGA CIR, GILROY, CA 95020-5317

Mortgage

Document Number	0025378579
Date	Sep 28, 2022
Instrument	25378579

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Document Number	0024269657
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1145 ORTEGA CIR GILROY CA 950205317, GILROY, CA 95020-5317
Investor	Possibly a Property Investor

Mortgage

Document Number	0024269657
Date	Sep 3, 2019
Instrument	24269657

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 8, 2017
Property Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Document Number	0023748615
Instrument Date	Sep 7, 2017
Instrument	23748615
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1145 ORTEGA CIR GILROY CA 950205317, GILROY, CA 95020-5317
Investor	Possibly a Property Investor

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 8, 2017
Property Address	1145 ORTEGA CIR, GILROY, CA 95020-5317
Document Number	0023748614
Instrument Date	Aug 24, 2017
Instrument	23748614
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1145 ORTEGA CIR GILROY CA 950205317, GILROY, CA 95020-5317
Investor	Possibly a Property Investor

Mortgage

Document Number	23748616
Date	Sep 8, 2017
Instrument	23748616

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

Tax Assessment & Valuation

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		$754,375 (+2%) Land $464,232 Building $290,143
2025	$9,153.00 (+2.19%)	$739,584 (+4.04%) Land $455,130 Building $284,454
2023	$8,957.00 (+1.66%)	$710,866 Land $437,457 Building $273,409
2022	$8,811.00

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

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

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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