Santa Clara County property record for 1645 Rucker Ave, Gilroy, CA 95020 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 1971 |
| Lot Size | 1.11 acres (48,526 sqft) |
| Owner | Company Name on File |
| Last Sale | $767,000 (Aug 2015) |
| Tax Bill | $3,845 (2025) |
| Deeds & Mortgages | Apr 2026 Reverse Mortgage Oct 2021 Line of Credit + 4 more |
| Flood Zone | Zone D (undetermined) |
| APN | 830-08-049 |
| Primary APN | 830-08-049 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| Gross Area | 1,194 sqft |
| 1st Floor Area | 1,194 sqft |
| Family Room | Family Room |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 48,526 sqft (1.11 acres) |
| Lot Dimensions | 480 ft deep x 110 ft wide |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | None |
| Heating System | HVAC |
|---|---|
| Water Source | Well |
| Street Address | 1645 RUCKER AVE |
|---|---|
| City | GILROY |
| State | CA |
| Zip | 95020-9236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 |
| Legal Subdivision | DUNNE RANCH 01 CATHERINE |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 512401 |
Source: Santa Clara County records · APN 830-08-049
Assessment roll updated August 11, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL/OMAHA MORTGAGE LLC |
| Oct 28, 2021 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU |
| Jul 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Feb 07, 2019 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CTRL CU |
| Feb 22, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2015 · Amount on Record |
| Deed Sale | Aug 26, 2015 · Amount on Record |
| Prior Sale | May 07, 2008 · Amount on Record |
| Deed Document Number | 201523062764 |
| Last Transfer Date | Jan 18, 2017 |
| Transfer Doc | 0023586867 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Apr 28, 2026 |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Document Number | 0025979357 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202625979357 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Document Number | 0025979357, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 202625979357 |
| Name | MUTUAL/OMAHA MORTGAGE LLC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 912 Months |
| Due | Apr 24, 2102 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Document Number | 0025147306 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 25147306 |
| Name | COMMONWEALTH CENTRAL CU |
|---|---|
| Type | Credit Union |
| Address | SAN JOSE, CA 95164 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0023707607 |
|---|---|
| Date | Jul 20, 2017 |
| Instrument | 23707607 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 1645 RUCKER AYE, GILROY, CA 95020 |
| Document Number | 0024717703 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 24717703 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Document Number | 0024114773 |
| Instrument Date | Feb 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1645 RUCKER AVE GILROY CA 950209236, GILROY, CA 95020-9236 |
| Document Number | 0024114773 |
|---|---|
| Date | Feb 12, 2019 |
| Instrument | 24114773 |
| Name | COMMONWEALTH CTRL CU |
|---|---|
| Type | Credit Union |
| Address | SAN JOSE, CA 95164-1690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Feb 22, 2017 |
| Property Address | 1645 RUCKER AVE, GILROY, CA 95020-9236 |
| Document Number | 0023586867 |
| Instrument Date | Jan 18, 2017 |
| Instrument | 23586867 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1645 RUCKER AVE GILROY CA 950209236, GILROY, CA 95020-9236 |
Source: Santa Clara County records · Assessment roll updated August 11, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Unified School District | Gilroy Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,845.00 (+1.67%) Homeowner's exemption | $310,871 (+4.04%) Land $124,344 Building $186,527 |
| 2024 | $3,782.00 (+0.77%) | |
| 2023 | $3,753.00 (+1.87%) Homeowner's exemption | $298,801 Land $119,516 Building $179,285 |
| 2022 | $3,684.00 |
Source: FEMA National Flood Hazard Layer, Santa Clara County (06085C), updated January 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060855124012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone D |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Undetermined not studied |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 in force 4 of 4 on primary residences |
| Nearby Flood Claims | 4 (1980–2000) |
| Most Recent Claim | Feb 2000, rainfall accumulation |
| Wildfire Risk | Moderate above 60% of the US · above 36% of California |
|---|---|
| Wildfire Likelihood | About 1 in 463 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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