1431 Swallow Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1431 Swallow Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,159 sqft · built 1996
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$277,000 (Nov 1996)
Tax Bill	$5,950 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`783-51-046`

Property Details

APN / Parcel Number

Primary APN	`783-51-046`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,159 sqft Living Area
1st Floor Area	1,161 sqft
2nd Floor Area	998 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Garage Area	657 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1431 SWALLOW LN
City	GILROY
State	CA
Zip	95020-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8769 HILLCREST 4-A BOOK 671 PAGE 26 PAGE 27 LOT 25
Legal Subdivision	HILLCREST 4-A
Legal Tract	8769
Legal Lot Number	25
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1007
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	1431 SWALLOW LN, GILROY, CA 95020-8228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Aug 28, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 1996 · Amount on Record
Deed Sale	Nov 26, 1996 · Amount on Record
Deed Document Number	199613535250
Last Transfer Date	Mar 8, 2023
Transfer Doc	0025449061
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1431 SWALLOW LN, GILROY, CA 95020-8228
Document Number	0024555620
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1431 SWALLOW LN GILROY CA 950208228, GILROY, CA 95020-8228

Mortgage

Document Number	0024555620
Date	Jul 28, 2020
Instrument	24555620

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1431 SWALLOW LN, GILROY, CA 95020-8228
Document Number	0023747792
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1431 SWALLOW LN GILROY CA 950208228, GILROY, CA 95020-8228

Mortgage

Document Number	0023747792
Date	Sep 8, 2017
Instrument	23747792

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

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		$493,362 (+2%) Land $182,725 Building $310,637
2025	$5,950.00 (+2.27%) Homeowner's exemption	$483,690 (+4.04%) Land $179,143 Building $304,547
2023	$5,818.00 (+1.7%) Homeowner's exemption	$464,910 Land $172,188 Building $292,722
2022	$5,721.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 685 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
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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