1599 Zephyr Pl, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1599 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 (3,918 sqft)
Owner	Individual Name on File
Last Sale	$1,125,000 (Oct 2023)
Tax Bill	$14,039 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`808-55-013`

Property Details

APN / Parcel Number

Primary APN	`808-55-013`

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	3,918 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	1599 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 13
Legal Tract	10302
Legal Lot Number	13
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2011
Census Tract	512510

Owner

1599 Zephyr Pl is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1599 ZEPHYR PL, GILROY, CA 95020-2733
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
Oct 12, 2023	Grant Deed, Transfer · Conventional Mortgage STAR ONE CU
Sep 30, 2020	Grant Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2023 · Amount on File
Deed Sale	Oct 12, 2023 · Amount on File
Prior Sale	Sep 30, 2020 · Amount on File
Deed Document Number	25544262
Record Updated	Jun 8, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 12, 2023
Property Address	1599 ZEPHYR PL, GILROY, CA 95020-2733
Document Number	0025544262
Map Reference	MB 914 PG 3-7
Instrument Date	Sep 20, 2023
Instrument	25544262
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	CHICAGO TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	491 LA CONNER DR APT 1, 1, SUNNYVALE, CA 94087-5720

Mortgage

Document Number	0025544263
Date	Oct 12, 2023
Instrument	25544263

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Max Rate	11.2%

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 30, 2020
Property Address	1599 ZEPHYR PL, GILROY, CA 95020-2733
Document Number	0024635667
Map Reference	MB 914 PG 3-7
Instrument Date	Sep 18, 2020
Instrument	24635667
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CALATLANTIC TITLE INC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1599 ZEPHYR PL, GILROY, CA 95020-2733

Mortgage

Document Number	0024635668
Date	Sep 30, 2020
Instrument	24635668

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1599 Zephyr Pl was $14,039 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	$14,039.00 Homeowner's exemption	$1,147,500 Land $382,500 Building $765,000
2023	$10,079.00 (+1.67%) Homeowner's exemption	$808,265 Land $444,125 Building $364,140
2022	$9,913.00

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

Flood

FEMA maps place 1599 Zephyr Pl in Zone D, where flood risk has not been studied.

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
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 1599 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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