Santa Clara County property record for 1696 Valley Oaks Dr, Gilroy, CA 95020
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,516 sqft · built 1997 |
| Lot Size | 0.208 acres (9,039 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $713,000 (May 2021) |
| Tax Bill | $13,485 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 783-57-017 |
| Primary APN | 783-57-017 |
|---|
| 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 |
| Utility Room | Utility Room |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | H-Shape |
| Construction Type | Wood |
| Lot Area | 9,039 sqft (0.208 acres) |
| Garage Area | 701 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Porch | None |
| Heating System | HVAC |
|---|
| Street Address | 1696 VALLEY OAKS DR |
|---|---|
| City | GILROY |
| State | CA |
| Zip | 95020-7749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TRACT 8854 BOOK 681 PAGE 29 PAGE 33 LOT 14 |
| Legal Subdivision | 8854 CARRIAGE HILLS UN 3 |
| Legal Tract | 8854 |
| Legal Lot Number | 14 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 512515 |
1696 Valley Oaks Dr is owned and occupied by two individuals who bought it in May 2021.
Source: Santa Clara County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| May 21, 2021 | Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Mar 28, 2018 | Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2021 · Amount on File |
| Deed Sale | May 21, 2021 · Amount on File |
| Prior Sale | Mar 28, 2018 · Amount on File |
| Deed Document Number | 202124969540 |
| Prior Transfer Date | May 14, 2021 |
| Prior Transfer Doc | 0024969540 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Document Number | 0025960002 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 25960002 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Apr 1, 2066 |
| Change Frequency | Monthly |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | May 21, 2021 |
| Property Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Document Number | 0024969540 |
| Map Reference | MB 661 PG 29-33 |
| Instrument Date | May 14, 2021 |
| Instrument | 24969540 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Document Number | 0024969541 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 24969541 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Recording Date | Mar 28, 2018 |
| Property Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Document Number | 0023898091 |
| Map Reference | MB681 PG29-33 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 23898091 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1696 VALLEY OAKS DR, GILROY, CA 95020-7749 |
| Document Number | 0023898092 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 23898092 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 1696 Valley Oaks Dr was $13,485, up 1.6% from the year before.
Source: Santa Clara County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | Gilroy City |
| Unified School District | Gilroy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,117,017 (+2%) Land $623,096 Building $493,921 | |
| 2025 | $13,485.00 (+1.59%) | $1,095,116 Land $610,879 Building $484,237 |
| 2024 | $13,274.00 (+0.58%) | |
| 2023 | $13,198.00 (+1.66%) | $1,052,593 Land $587,158 Building $465,435 |
| 2022 | $12,983.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1696 Valley Oaks Dr in Zone X, an area of moderate flood risk.
Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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 risk around 1696 Valley Oaks Dr is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 50% of California |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| Hankins Information Technology Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures