1163 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1163 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,052 sqft · built 1975
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Aug 2019)
Tax Bill	$10,068 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-023`

Property Details

APN / Parcel Number

Primary APN	`808-28-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
Gross Area	1,540 sqft
1st Floor Area	1,540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	105 ft deep x 65 ft wide
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1163 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 199
Legal Subdivision	CASTLEWOOD PARK
Legal Tract	5616
Legal Lot Number	199
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

Owner

1163 Ortega Cir is owned by two individuals who bought it in August 2019.

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	2 Individual Names on File
Mailing Address	10041 GRIFFITH ST, SAN JOSE, CA 95127-4118
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Aug 22, 2019	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Mar 6, 2019	Deed of Trust, Mortgage · Line of Credit PACIFIC SVC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Prior Sale	Oct 26, 2016 · Amount on File
Deed Document Number	201924261994
Prior Transfer Date	Oct 14, 2015
Prior Transfer Doc	0023130123
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 ORTEGA CIR, GILROY, CA 95020-5317
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1163 ORTEGA CIR, GILROY, CA 95020-5317

Mortgage

Document Number	0024806415
Date	Jan 28, 2021
Instrument	24806415

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 ORTEGA CIR, GILROY, CA 95020-5317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023797733
Date	Nov 9, 2017
Instrument	23797733

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 22, 2019
Property Address	1163 ORTEGA CIR, GILROY, CA 95020-5317
Document Number	0024261994
Map Reference	MB 356 PG 22&23
Instrument Date	Aug 15, 2019
Instrument	24261994
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	1163 ORTEGA CIR, GILROY, CA 95020-5317

Mortgage

Document Number	0024261995
Date	Aug 22, 2019
Instrument	24261995

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 ORTEGA CIR, GILROY, CA 95020-5317
Document Number	0024133252
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1163 ORTEGA CIR GILROY CA 950205317, GILROY, CA 95020-5317

Mortgage

Document Number	0024133252
Date	Mar 13, 2019
Instrument	24133252

Lender

Name	PACIFIC SVC CU
Address	CONCORD, CA 94519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 12, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1163 Ortega Cir was $10,068.

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		$830,930 (+2%) Land $456,914 Building $374,016
2025	$10,068.00	$814,638 Land $447,955 Building $366,683
2023	$9,852.00 (+1.66%)	$783,007 Land $430,561 Building $352,446
2022	$9,691.00

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

Flood

FEMA maps place 1163 Ortega Cir in Zone X, an area of moderate flood risk.

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

The area around 1163 Ortega Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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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