1720 Valley Oaks Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1720 Valley Oaks Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,516 sqft · built 1997
Lot Size	0.264 acres (11,498 sqft)
Owner	Trust Name on File
Last Sale	$392,000 (Oct 1997)
Tax Bill	$8,144 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`783-57-015`

Property Details

APN / Parcel Number

Primary APN	`783-57-015`

Interior

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

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	11,498 sqft (0.264 acres)
Garage Area	701 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1720 VALLEY OAKS DR
City	GILROY
State	CA
Zip	95020-7768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8854 BOOK 681 PAGE 29 PAGE 33 LOT 33
Legal Subdivision	8854 CARRIAGE HILLS UN #3
Legal Tract	8854
Legal Lot Number	33
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2010
Census Tract	512515

Owner

1720 Valley Oaks Dr is owner-occupied and held in a trust since August 2021.

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

Owner of Record	Trust Name on File
Mailing Address	1720 VALLEY OAKS DR, GILROY, CA 95020-7768
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 1997 · Amount on File
Deed Sale	Oct 31, 1997 · Amount on File
Deed Document Number	199713918346
Last Transfer Date	Aug 30, 2021
Transfer Doc	0025090783
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 7, 2021
Property Address	1720 VALLEY OAKS DR, GILROY, CA 95020-7768
Document Number	0025090783
Map Reference	MB 681 PG 29-33
Instrument Date	Aug 30, 2021
Instrument	25090783
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1720 VALLEY OAKS DR, GILROY, CA 95020-7768

Mortgage

Document Number	0025090784
Date	Sep 7, 2021
Instrument	25090784

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1720 VALLEY OAKS DR, GILROY, CA 95020-7768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023666049
Date	Jun 6, 2017
Instrument	23666049

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1720 Valley Oaks Dr was $8,144 with a homeowner's exemption.

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		$676,996 (+2%) Land $236,145 Building $440,851
2025	$8,144.00 Homeowner's exemption	$663,722 Land $231,515 Building $432,207
2023	$7,966.00 (+1.68%) Homeowner's exemption	$637,951 Land $222,526 Building $415,425
2022	$7,834.00

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

Flood

FEMA maps place 1720 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

Wildfire risk around 1720 Valley Oaks Dr is high, ranking above 72% 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 72% of the US · above 47% 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.

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 685 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
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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