1405 1st St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1405 1st St, Gilroy, CA 95020

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,510 sqft · built 2020
Lot Size	1.47 acres (64,033 sqft)
Owner	Company Name on Record
Last Sale	$880,500 (Jun 2017)
Tax Bill	$83,487 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Aug 2019 Construction Loan + 4 more
Flood Zone	Zone X (moderate risk)
APN	`790-39-025`

Property Details

APN / Parcel Number

Primary APN	`790-39-025`

Interior

Stories	1 Story
Building Area	2,510 sqft Total Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	64,033 sqft (1.47 acres)

Location & Zoning

Street Address	1405 1ST ST
City	GILROY
State	CA
Zip	95020-4868
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C3
Legal Description	LOT 3
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2019
Census Tract	512505

Owner

Source: Santa Clara County records, as of May 6, 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	8080 SANTA TERESA BLVD, 210, GILROY, CA 95020-3866
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2019	Deed of Trust, Mortgage PINNACLE BK
Aug 9, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PINNACLE BK
Jun 19, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PINNACLE BK
Jun 23, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE
Mar 8, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE
Feb 27, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Prior Sale	Mar 8, 2017 · Amount on Record
Deed Document Number	201723682113
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Document Number	0024251156
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 SANTA TERESA BLVD #210 GILROY CA 950203866, 210, GILROY, CA 95020-3866

Mortgage

Document Number	0024251156
Date	Aug 9, 2019
Instrument	24251156

Lender

Name	PINNACLE BK
Type	Bank
Address	7597 MONTEREY ST, GILROY, CA 95020-5825

Agreement

Amount	Amount Recorded

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2019
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Instrument Date	Jun 12, 2019
Instrument	24251157
Transaction Type	Construction Loan
Record Updated	Aug 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 SANTA TERESA BLVD #210 GILROY CA 950203866, 210, GILROY, CA 95020-3866

Mortgage

Document Number	0024251157
Date	Aug 9, 2019
Instrument	24251157

Lender

Name	PINNACLE BK
Type	Bank
Address	7597 MONTEREY ST, GILROY, CA 95020-5825

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 19, 2019
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Instrument Date	Jun 12, 2019
Instrument	24207443
Transaction Type	Construction Loan
Record Updated	Jul 2, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 SANTA TERESA BLVD #210 GILROY CA 950203866, 210, GILROY, CA 95020-3866

Mortgage

Document Number	0024207443
Date	Jun 19, 2019
Instrument	24207443

Lender

Name	PINNACLE BK
Type	Bank
Address	7597 MONTEREY ST, GILROY, CA 95020-5825

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 23, 2017
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Document Number	0023682113
Instrument Date	Jun 20, 2017
Instrument	23682113
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$968.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 SANTA TERESA BLVD #210 GILROY CA 950203866, 210, GILROY, CA 95020-3866

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 8, 2017
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Document Number	0023598671
Instrument Date	Mar 7, 2017
Instrument	23598671
Transaction Type	Transfer
Record Updated	Mar 20, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$948.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 YGNACIO VALLEY RD #180 WALNUT CREEK CA 945963840, 180, WALNUT CREEK, CA 94596-3840
Investor	Possibly a Property Investor

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 27, 2017
Property Address	1405 1ST ST, GILROY, CA 95020-4868
Document Number	0023589407
Instrument Date	Aug 25, 2010
Instrument	23589407
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$357.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	$83,487.00 (+3.22%)	$6,757,636 (+5.72%) Land $1,021,890 Building $5,735,746
2024	$80,886.00 (+0.59%)
2023	$80,412.00 (+1.68%)	$6,392,289 Land $982,209 Building $5,410,080
2022	$79,086.00

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
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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.04% 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	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 Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: AT&T, Frontier, GeoLinks.

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