1590 Zephyr Pl, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1590 Zephyr Pl, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,409 sqft · built 2019
Lot Size	0.08 acres (3,525 sqft)
Owner	2 Individual Names on File
Last Sale	$785,500 (Apr 2020)
Tax Bill	$10,519 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`808-55-023`

Property Details

APN / Parcel Number

Primary APN	`808-55-023`

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	3,525 sqft (0.08 acres)
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1590 ZEPHYR PL
City	GILROY
State	CA
Zip	95020-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Description	TR 10302 LOT 23
Legal Tract	10302
Legal Lot Number	23
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2011
Census Tract	512510

Owner

1590 Zephyr Pl is owned and occupied by two individuals who acquired it in August 2024.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	200 S SANTA CRUZ AVE STE 100, 100, LOS GATOS, CA 95030-6743
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
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit PROVIDENT CU
Jan 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 24, 2020	Grant Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 24, 2020 · Amount on File
Deed Sale	Apr 24, 2020 · Amount on File
Prior Sale	Apr 24, 2020 · Amount on File
Deed Document Number	0024463194
Last Transfer Date	Aug 14, 2024
Transfer Doc	0025684999
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1590 ZEPHYR PL, GILROY, CA 95020-2732
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 ZEPHYR PL, GILROY, CA 95020-2732

Mortgage

Document Number	0025357882
Date	Aug 15, 2022
Instrument	25357882

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1590 ZEPHYR PL, GILROY, CA 95020-2732
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 ZEPHYR PL, GILROY, CA 95020-2732

Mortgage

Document Number	0024780814
Date	Jan 11, 2021
Instrument	24780814

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 24, 2020
Property Address	1590 ZEPHYR PL, GILROY, CA 95020-2732
Document Number	0024463194
Map Reference	MB 914 MAP 3-7
Instrument Date	Mar 25, 2020
Instrument	24463194
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount 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	1590 ZEPHYR PL, GILROY, CA 95020-2732

Mortgage

Document Number	0024463195
Date	Apr 24, 2020
Instrument	24463195

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1590 Zephyr Pl was $10,519 with a homeowner's exemption.

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	$10,519.00 Homeowner's exemption	$858,622 Land $475,848 Building $382,774
2023	$10,290.00 (+1.67%) Homeowner's exemption	$825,282 Land $457,371 Building $367,911
2022	$10,121.00

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

Flood

FEMA maps place 1590 Zephyr Pl in Zone D, where flood risk has not been studied, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1590 Zephyr Pl is moderate, ranking above 63% of the US, with a 0.2% annual chance of 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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