1171 1st St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1171 1st St, Gilroy, CA 95020

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,980 sqft · built 1980
Lot Size	1.83 acres (79,714 sqft)
Owner	2 Individual Names on File
Last Sale	$3,000,000 (Oct 2018)
Tax Bill	$41,520 (2024)
Deeds & Mortgages	Jul 2019 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-41-055`

Property Details

APN / Parcel Number

Primary APN	`790-41-055`

Interior

Stories	1 Story
Building Area	7,980 sqft Total Area
Gross Area	5,990 sqft
1st Floor Area	7,980 sqft
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	79,714 sqft (1.83 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1171 1ST ST
City	GILROY
State	CA
Zip	95020-4818
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C-3
Legal Description	MIRA LOMA VALLEY LOT 10
Legal Subdivision	MIRA LOMA VALLEY
Legal Tract	6013
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2021
Census Tract	512505

Owner

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

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 File
Mailing Address	1970 LAVENDER WAY, GILROY, CA 95020-7925
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2019	Deed of Trust, Mortgage · Line of Credit RABOBANK
Oct 19, 2018	Grant Deed, Construction Loan FARHAD ZAGHI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 19, 2018 · Amount on Record
Deed Sale	Oct 19, 2018 · Amount on Record
Deed Document Number	201824046123
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1171 1ST ST, GILROY, CA 95020-4818
Document Number	0024250214
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1171 1ST ST GILROY CA 950204818, GILROY, CA 95020-4818

Mortgage

Document Number	0024250214
Date	Aug 9, 2019
Instrument	24250214

Lender

Name	RABOBANK
Type	Bank
Address	PO BOX 6010, SANTA MARIA, CA 93456-6010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 19, 2018
Property Address	1171 1ST ST, GILROY, CA 95020-4818
Document Number	0024046123
Instrument Date	Oct 16, 2018
Instrument	24046123
Transaction Type	Construction Loan
Record Updated	Nov 22, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1970 LAVENDER WAY GILROY CA 950207925, GILROY, CA 95020-7925

Mortgage

Document Number	24046124
Date	Oct 19, 2018
Instrument	24046124

Lender

Name	FARHAD ZAGHI
Address	4020 MOORPARK AVE # 117, SAN JOSE, CA 95117-1845

Agreement

Amount	Amount Recorded

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		$3,346,554 (+4.04%) Land $1,243,802 Building $2,102,752
2024	$41,520.00
2023		$3,216,604 Land $1,195,504 Building $2,021,100

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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	Not rated no burnable land within ember reach

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 521 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
Verizon Fixed Wireless	300 / 20
Etheric Communications, LLC. Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: AT&T, California Internet, Frontier.

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