12115 Watsonville Rd, Gilroy, CA 95020 Property Records

Santa Clara County property record for 12115 Watsonville Rd, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,359 sqft · built 1945
Lot Size	2.13 acres (93,218 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Apr 2008)
Tax Bill	$12,066 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`756-20-070`

Property Details

APN / Parcel Number

Primary APN	`756-20-070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,359 sqft Living Area
1st Floor Area	762 sqft
2nd Floor Area	597 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	93,218 sqft
Lot Dimensions	670 ft deep x 170 ft wide
View / Lot	Creek
Garage Area	258 sqft
Parking Spaces	1 Parking Space
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	12115 WATSONVILLE RD
City	GILROY
State	CA
Zip	95020-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SMITH PARTITION CASE 20397 MAP A5 957
Legal Subdivision	SMITH PROP MAP 2
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	LLAGAS-UVAS
Census Block Group	2
Census Block	2015
Census Tract	512200

Owner

12115 Watsonville Rd is owned and occupied by an individual who bought it in April 2008.

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

Owner of Record	Individual Name on File
Mailing Address	12115 WATSONVILLE RD, GILROY, CA 95020-9436
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage JWH FINANCIAL INC
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2008 · Amount on File
Deed Sale	Apr 30, 2008 · Amount on File
Prior Sale	Mar 7, 2007 · Amount on File
Deed Document Number	200819835030
Prior Transfer Date	Jan 24, 2007
Prior Transfer Doc	0019329452
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12115 WATSONVILLE RD, GILROY, CA 95020-9436
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024434608
Date	Mar 19, 2020
Instrument	24434608

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12115 WATSONVILLE RD, GILROY, CA 95020-9436
Document Number	0024305305
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12115 WATSONVILLE RD GILROY CA 950209436, GILROY, CA 95020-9436

Mortgage

Document Number	0024305305
Date	Oct 16, 2019
Instrument	24305305

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	12115 WATSONVILLE RD, GILROY, CA 95020-9436
Document Number	0023736012
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12115 WATSONVILLE RD GILROY CA 950209436, GILROY, CA 95020-9436

Mortgage

Document Number	0023736012
Date	Aug 24, 2017
Instrument	23736012

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12115 Watsonville Rd was $12,066.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,004,824 (+2%) Land $602,898 Building $401,926
2025	$12,066.00	$985,123 Land $591,077 Building $394,046
2023	$11,787.00 (+1.81%)	$946,872 Land $568,126 Building $378,746
2022	$11,577.00

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

Flood

FEMA maps place 12115 Watsonville Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	8 (1982–2023)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 2 claims

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

Wildfire risk around 12115 Watsonville Rd is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Etheric Networks, Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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