Santa Clara County property record for 1604 Valley Oaks Dr, Gilroy, CA 95020
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,516 sqft · built 1998 |
| Lot Size | 0.149 acres (6,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $720,000 (May 2015) |
| Tax Bill | $10,600 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 783-58-002 |
| Primary APN | 783-58-002 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,516 sqft Living Area |
| 1st Floor Area | 1,299 sqft |
| 2nd Floor Area | 1,217 sqft |
| Family Room | Family Room |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 6,504 sqft (0.149 acres) |
| Garage Area | 701 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|
| Street Address | 1604 VALLEY OAKS DR |
|---|---|
| City | GILROY |
| State | CA |
| Zip | 95020-7746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TR 8853 LOT 2 |
| Legal Subdivision | 8853 CARRIAGE HILLS UN 2 |
| Legal Tract | 8853 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 512515 |
Source: Santa Clara County records · APN 783-58-002
Assessment roll updated July 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Apr 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Dec 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jun 05, 2018 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2015 · Amount on Record |
| Deed Sale | May 05, 2015 · Amount on Record |
| Prior Sale | May 05, 2015 |
| Deed Document Number | 22939884 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024032491 |
|---|---|
| Date | Sep 27, 2018 |
| Instrument | 24032491 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024458588 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 24458588 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Document Number | 0024740325 |
|---|---|
| Date | Dec 08, 2020 |
| Instrument | 24740325 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1604 VALLEY OAKS DR, GILROY, CA 95020-7746 |
| Document Number | 0023954007 |
| Instrument Date | Jun 05, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1604 VALLEY OARS DR GILROY CA 95020, GILROY, CA 95020 |
| Document Number | 0023954007 |
|---|---|
| Date | Jun 13, 2018 |
| Instrument | 23954007 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
Source: Santa Clara County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | Gilroy City |
| Unified School District | Gilroy Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $10,600.00 (+2.22%) Homeowner's exemption | $865,323 (+4.04%) Land $346,127 Building $519,196 |
| 2023 | $10,370.00 (+1.68%) Homeowner's exemption | $831,724 Land $332,688 Building $499,036 |
| 2022 | $10,199.00 |
Source: FEMA National Flood Hazard Layer as of January 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 66% of the US · lower than 80% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
| Hankins Information Technology Fixed Wireless | 100 / 20 |
May also be available: California Internet, Frontier, Verizon.
Based on FCC filings for 685 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF GILROY serves 59,426 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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