1223 Bay Tree Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1223 Bay Tree Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,631 sqft · built 1988
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`783-39-015`

Property Details

APN / Parcel Number

Primary APN	`783-39-015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,631 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,246 sqft
2nd Floor Area	996 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1223 BAY TREE DR
City	GILROY
State	CA
Zip	95020-7427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 7818 SOLIS RANCHO II BOOK 564 PAGE 50 PAGE 51 LOT 15
Legal Subdivision	SOLIS RANCHO 02
Legal Tract	7818
Legal Lot Number	15
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512516

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	Company Name on Record
Mailing Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KIND LENDING LLC
Jan 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jan 28, 2021	Quit Claim Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Feb 4, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Feb 4, 2020	Quit Claim Deed, Transfer AMROCK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 22, 2021
Transfer Doc	0024804971
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 BAY TREE DR, GILROY, CA 95020-7427

Mortgage

Document Number	0025870145
Date	Sep 16, 2025
Instrument	25870145

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	4 HUTTON CENTRE DR STE 1000, SANTA ANA, CA 92707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 27, 2021
Property Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Document Number	0024804164
Map Reference	MB 564 PG 50&51
Instrument Date	Jan 21, 2021
Instrument	24804164
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	INNOVATIVE TITLE COMPANY

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	Joint Tenants
Address	1223 BAY TREE DR, GILROY, CA 95020-7427

Mortgage

Document Number	0024804165
Date	Jan 27, 2021
Instrument	24804165

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

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

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 28, 2021
Property Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Document Number	0024804971
Instrument Date	Jan 21, 2021
Instrument	24804971
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1223 BAY TREE DR GILROY CA 950207427, GILROY, CA 95020-7427

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 4, 2020
Property Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Document Number	0024395513
Instrument Date	Jan 17, 2020
Instrument	24395513
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1223 BAY TREE DR GILROY CA 950207427, GILROY, CA 95020-7427

Mortgage

Document Number	24395514
Date	Feb 4, 2020
Instrument	24395514

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 4, 2020
Property Address	1223 BAY TREE DR, GILROY, CA 95020-7427
Document Number	0024395515
Instrument Date	Jan 17, 2020
Instrument	24395515
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1223 BAY TREE DR GILROY CA 950207427, GILROY, CA 95020-7427

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		$432,588 (+2%) Land $126,312 Building $306,276
2025	$5,309.00 (+2.21%)	$424,107 (+4.04%) Land $123,836 Building $300,271
2023	$5,194.00 (+1.66%)	$407,640 Land $119,028 Building $288,612
2022	$5,109.00

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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