1148 Valbusa Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1148 Valbusa Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 1986
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,000 (Aug 2026)
Tax Bill	$8,217 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`783-34-069`

Property Details

APN / Parcel Number

Primary APN	`783-34-069`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,300 sqft (0.145 acres)
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1148 VALBUSA DR
City	GILROY
State	CA
Zip	95020-7454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 7856 AMENDED BOOK 565 PAGE 35 PAGE 37 LOT 35
Legal Subdivision	TRACT NO 7856
Legal Tract	7856
Legal Lot Number	35
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

Source: Santa Clara County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7946 WESTWOOD DR, I343, GILROY, CA 95020-2525
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 10, 2025	Intrafamily Transfer, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Nov 6, 2023	Intrafamily Transfer, Transfer
Dec 8, 2022	Grant Deed, Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Dec 11, 2017	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Oct 10, 2025
Deed Document Number	202626031625
Prior Transfer Date	Sep 26, 2023
Prior Transfer Doc	0025554939
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 3, 2026
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Document Number	0026031625
Instrument Date	Jul 27, 2026
Instrument	202626031625
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,655.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000031626,
Date	Aug 3, 2026
Instrument	202631626

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 10, 2025
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Document Number	0025882609
Map Reference	PG 34 & 5
Instrument Date	Oct 3, 2025
Instrument	25882609
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1148 VALBUSA DR, GILROY, CA 95020-7454

Mortgage

Document Number	0025882610
Date	Oct 10, 2025
Instrument	25882610

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 6, 2023
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Document Number	0025554939
Map Reference	MB 572 PG 3-5
Instrument Date	Sep 26, 2023
Instrument	25554939
Transaction Type	Transfer
Record Updated	Nov 15, 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	Living Trust
Address	1148 VALBUSA DR, GILROY, CA 95020-7454

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 8, 2022
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Document Number	0025413258
Map Reference	MB 565 PG 35-37
Instrument Date	Nov 29, 2022
Instrument	25413258
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 VALBUSA DR, GILROY, CA 95020-7454

Mortgage

Document Number	0025413259
Date	Dec 8, 2022
Instrument	25413259

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 VALBUSA DR, GILROY, CA 95020-7454

Mortgage

Document Number	0024680346
Date	Oct 30, 2020
Instrument	24680346

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 11, 2017
Property Address	1148 VALBUSA DR, GILROY, CA 95020-7454
Document Number	0023824145
Map Reference	MAP565 PG35-37
Instrument Date	Nov 28, 2017
Instrument	23824145
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1148 VALBUSA DR, GILROY, CA 95020-7454

Mortgage

Document Number	0023824146
Date	Dec 11, 2017
Instrument	23824146

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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
Municipality	Gilroy City
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$854,271 (+2%) Land $631,418 Building $222,853
2025	$8,217.00 (+1.03%) Disabled Person's exemption Veteran's exemption	$837,522 (+4.04%) Land $619,038 Building $218,484
2023	$8,133.00 (-2%) Disabled Person's exemption Veteran's exemption	$805,000 Land $595,000 Building $210,000
2022	$8,299.00

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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