1413 Bay Tree Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1413 Bay Tree Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1986
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on File
Last Sale	$751,500 (Apr 2018)
Tax Bill	$10,470 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-35-026`

Property Details

APN / Parcel Number

Primary APN	`783-35-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1413 BAY TREE DR
City	GILROY
State	CA
Zip	95020-7401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT G
Legal Subdivision	DEER PARK
Legal Lot Number	G
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512516

Owner

1413 Bay Tree Dr is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1413 BAY TREE DR, GILROY, CA 95020-7401
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
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 26, 2019	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS
Apr 20, 2018	Grant Deed, Transfer · Commercial Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Prior Sale	Jul 18, 2014 · Amount on File
Deed Document Number	201823915012
Last Transfer Date	Sep 20, 2019
Transfer Doc	0024289941
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1413 BAY TREE DR, GILROY, CA 95020-7401
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 BAY TREE DR, GILROY, CA 95020-7401

Mortgage

Document Number	0025160400
Date	Nov 10, 2021
Instrument	25160400

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 26, 2019
Property Address	1413 BAY TREE DR, GILROY, CA 95020-7401
Document Number	0024289941
Instrument Date	Sep 20, 2019
Instrument	24289941
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	1413 BAY TREE DR GILROY CA 950207401, GILROY, CA 95020-7401

Mortgage

Document Number	24289942
Date	Sep 26, 2019
Instrument	24289942

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 20, 2018
Property Address	1413 BAY TREE DR, GILROY, CA 95020-7401
Document Number	0023915012
Map Reference	MB550 PG43&44
Instrument Date	Apr 18, 2018
Instrument	23915012
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1413 BAY TREE DR, GILROY, CA 95020-7401

Mortgage

Document Number	0023915014
Date	Apr 20, 2018
Instrument	23915014

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0023915013
Date	Apr 20, 2018
Instrument	23915013

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1413 Bay Tree Dr was $10,470 with a homeowner's exemption.

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		$871,755 (+2%) Land $522,260 Building $349,495
2025	$10,470.00 Homeowner's exemption	$854,663 Land $512,020 Building $342,643
2023	$10,243.00 (+1.68%) Homeowner's exemption	$821,478 Land $492,139 Building $329,339
2022	$10,074.00

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

Flood

FEMA maps place 1413 Bay Tree Dr in Zone X, an area of moderate flood risk.

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

Wildfire risk around 1413 Bay Tree Dr is low, with a 0.01% annual chance of 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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