1774 Rancho Hills Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1774 Rancho Hills Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,062 sqft · built 1989
Lot Size	0.338 acres (14,723 sqft)
Owner	2 Individual Names on File
Last Sale	$1,155,000 (Jan 2020)
Tax Bill	$15,534 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`783-43-012`

Property Details

APN / Parcel Number

Primary APN	`783-43-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,062 sqft Living Area
1st Floor Area	1,771 sqft
2nd Floor Area	1,291 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	H-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	14,723 sqft (0.338 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1774 RANCHO HILLS CT
City	GILROY
State	CA
Zip	95020-3780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 7350 RANCHO REAL BOOK 578 PAGE 21 PAGE 22 LOT 12
Legal Subdivision	RANCHO REAL
Legal Tract	7350
Legal Lot Number	12
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2004
Census Tract	512516

Owner

1774 Rancho Hills Ct is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Occupancy	Owner Occupied
Owner Type	Individual

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
May 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWTEK BANK NA
Apr 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Jan 31, 2020	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 31, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	202024394231
Prior Transfer Date	Jun 5, 1995
Prior Transfer Doc	0012920055
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780

Mortgage

Document Number	0025477798
Date	May 22, 2023
Instrument	25477798

Lender

Name	NEWTEK BANK NA
Type	Bank
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023615732
Date	Apr 4, 2017
Instrument	23615732

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023615733
Date	Apr 4, 2017
Instrument	23615733

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 31, 2020
Property Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Document Number	0024394231
Map Reference	MB 578 PG 21&22
Instrument Date	Jan 30, 2020
Instrument	24394231
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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	Community Property with Right of Survivorship
Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780

Mortgage

Document Number	0024394232
Date	Jan 31, 2020
Instrument	24394232

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0024394233
Date	Jan 31, 2020
Instrument	24394233

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 31, 2017
Property Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780
Document Number	0023790136
Map Reference	MAP578 PG21&22
Instrument Date	Oct 26, 2017
Instrument	23790136
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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	Community Property with Right of Survivorship
Address	1774 RANCHO HILLS CT, GILROY, CA 95020-3780

Mortgage

Document Number	0023790137
Date	Oct 31, 2017
Instrument	23790137

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

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

Mortgage

Document Number	0023790138
Date	Oct 31, 2017
Instrument	23790138

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1774 Rancho Hills Ct was $15,534.

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		$1,288,419 (+2%) Land $446,205 Building $842,214
2025	$15,534.00	$1,263,156 Land $437,456 Building $825,700
2023	$15,202.00 (+1.65%)	$1,214,108 Land $420,470 Building $793,638
2022	$14,955.00

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

Flood

FEMA maps place 1774 Rancho Hills Ct in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1774 Rancho Hills Ct is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond 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 203 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: Verizon.

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