172 Caroline Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 172 Caroline Ln, Gilroy, CA 95020

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,509 sqft · built 2007
Lot Size	0.046 acres (2,007 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Apr 2017)
Tax Bill	$7,379 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`841-82-028`

Property Details

APN / Parcel Number

Primary APN	`841-82-028`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,509 sqft Living Area
1st Floor Area	629 sqft
2nd Floor Area	880 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	2,007 sqft (0.046 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	172 CAROLINE LN
City	GILROY
State	CA
Zip	95020-5261
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CD
Legal Description	TRACT 9848 LOT 28
Legal Subdivision	9848 FOREST PARK
Legal Tract	9848
Legal Lot Number	28
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1012
Census Tract	512604

Owner

172 Caroline Ln, a condominium, is owned and occupied by two individuals who bought it in April 2017.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	172 CAROLINE LN, GILROY, CA 95020-5261
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 15, 2019	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Apr 12, 2017	Grant Deed, Transfer · FHA Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2017 · Amount on File
Deed Sale	Apr 12, 2017 · Amount on File
Prior Sale	Dec 31, 2012 · Amount on File
Deed Document Number	201723623390
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	172 CAROLINE LN, GILROY, CA 95020-5261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024576081
Date	Aug 14, 2020
Instrument	24576081

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	172 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0024162902
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	May 6, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	172 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0024162902
Date	Apr 24, 2019
Instrument	24162902

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 12, 2017
Property Address	172 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0023623390
Map Reference	MAP808 PG18-22
Instrument Date	Mar 28, 2017
Instrument	23623390
Transaction Type	Transfer
Record Updated	Sep 1, 2021
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	Joint Tenants
Address	172 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0023623391
Date	Apr 12, 2017
Instrument	23623391

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 172 Caroline Ln was $7,379.

Source: Santa Clara County assessment roll, as of July 27, 2026

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
2026		$609,646 (+2%) Land $304,823 Building $304,823
2025	$7,379.00	$597,694 Land $298,847 Building $298,847
2023	$7,222.00 (+1.65%)	$574,488 Land $287,244 Building $287,244
2022	$7,105.00

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

Flood

FEMA maps place 172 Caroline Ln in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1979.

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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

The area around 172 Caroline Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 452 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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