1315 Cypress Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1315 Cypress Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,302 sqft · built 2005
Lot Size	0.088 acres (3,822 sqft)
Owner	2 Company Names on Record
Last Sale	$754,000 (Jul 2025)
Tax Bill	$7,693 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-46-001`

Property Details

APN / Parcel Number

Primary APN	`808-46-001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,302 sqft Living Area
1st Floor Area	1,302 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,822 sqft (0.088 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1315 CYPRESS CT
City	GILROY
State	CA
Zip	95020-4746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TRACT 9599 BOOK 779 PAGE 30 PAGE 31 LOT 1
Legal Subdivision	9599 BENASSI OAKS
Legal Tract	9599
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3001
Census Tract	512510

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	2 Company Names on Record
Mailing Address	1315 CYPRESS CT, GILROY, CA 95020-4746
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · FHA Mortgage PREMIER MORTGAGE RESOURCES LLC
May 8, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 10, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	202525847157
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1315 CYPRESS CT, GILROY, CA 95020-4746
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 CYPRESS CT, GILROY, CA 95020-4746

Mortgage

Document Number	0025558065
Date	Nov 13, 2023
Instrument	25558065

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company
Address	MERIDIAN, ID 83642

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1315 CYPRESS CT, GILROY, CA 95020-4746
Transaction Type	Mortgage
Record Updated	May 17, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 CYPRESS CT, GILROY, CA 95020-4746

Mortgage

Document Number	0025471505
Date	May 8, 2023
Instrument	25471505

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 7, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 10, 2020
Property Address	1315 CYPRESS CT, GILROY, CA 95020-4746
Document Number	0024569597
Map Reference	MB 779 PG 30&31
Instrument Date	Aug 6, 2020
Instrument	24569597
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	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
Relationship	Community Property with Right of Survivorship
Address	1315 CYPRESS CT, GILROY, CA 95020-4746

Mortgage

Document Number	0024569598
Date	Aug 10, 2020
Instrument	24569598

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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		$754,000 (+20.31%) Land $600,000 Building $154,000
2025	$7,693.00 (+2.25%) Homeowner's exemption	$626,726 (+4.04%) Land $407,318 Building $219,408
2023	$7,524.00 (+1.69%) Homeowner's exemption	$602,391 Land $391,502 Building $210,889
2022	$7,399.00

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 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 420 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

May also be available: Frontier, T-Mobile, Verizon.

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