1575 Zephyr Pl, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1575 Zephyr Pl, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,409 sqft · built 2019
Lot Size	0.089 acres (3,900 sqft)
Owner	Individual Name on Record
Last Sale	$767,500 (Apr 2020)
Tax Bill	$10,368 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2022 Line of Credit + 3 more
Flood Zone	Zone D (undetermined)
APN	`808-55-007`

Property Details

APN / Parcel Number

Primary APN	`808-55-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,409 sqft Living Area
1st Floor Area	1,072 sqft
2nd Floor Area	1,337 sqft

Exterior

Year Built	Built 2019
Architectural Style	Other
Construction Type	Wood
Lot Area	3,900 sqft (0.089 acres)
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1575 ZEPHYR PL
City	GILROY
State	CA
Zip	95020-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Description	TR 10302 LOT 7
Legal Tract	10302
Legal Lot Number	7
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2011
Census Tract	512510

Owner

Source: Santa Clara County records, as of October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 10, 2020	Grant Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2020 · Amount on Record
Deed Sale	Apr 10, 2020 · Amount on Record
Deed Document Number	24452208
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0025630144
Date	Apr 30, 2024
Instrument	25630144

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0025338006
Date	Jul 19, 2022
Instrument	25338006

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0024965692
Date	May 19, 2021
Instrument	24965692

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0024790845
Date	Jan 19, 2021
Instrument	24790845

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 10, 2020
Property Address	1575 ZEPHYR PL, GILROY, CA 95020-2733
Document Number	0024452208
Map Reference	MB 914 PG 3-7
Instrument Date	Mar 10, 2020
Instrument	24452208
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CALATLANTIC TITLE INC

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	Joint Tenants
Address	1575 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0024452209
Date	Apr 10, 2020
Instrument	24452209

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 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	$10,368.00 (+2.19%)	$839,302 (+4.04%) Land $456,528 Building $382,774
2023	$10,146.00 (+1.65%)	$806,712 Land $438,801 Building $367,911
2022	$9,981.00

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 D undetermined · not studied
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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 275 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: T-Mobile, Verizon.

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