190 1st St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 190 1st St, Gilroy, CA 95020

Property Summary

Property Type	Bank, Financial Building
Details	1,143 sqft · built 1930
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Jan 2022)
Tax Bill	$7,357 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`799-01-025`

Property Details

APN / Parcel Number

Primary APN	`799-01-025`

Interior

Stories	1 Story
Building Area	1,143 sqft Total Area
1st Floor Area	1,143 sqft
Elevator	Elevator

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	190 1ST ST
City	GILROY
State	CA
Zip	95020-5129
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	C1
Legal Description	BLK 5 PART OF LOT 1
Legal Block	5
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2024
Census Tract	512604

Owner

Source: Santa Clara County records, as of July 27, 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 Record
Mailing Address	9748 HOPI LN, GILROY, CA 95020-9607
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Grant Deed, Transfer · Seller Carry-Back PINHEIRO FAMILY TRUST
Jun 11, 2019	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2022 · Amount on Record
Deed Sale	Jan 3, 2022 · Amount on Record
Prior Sale	Jan 4, 2002 · Amount on Record
Deed Document Number	202225210530
Prior Transfer Date	Oct 5, 1998
Prior Transfer Doc	0014458433
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 3, 2022
Property Address	190 1ST ST, GILROY, CA 95020-5129
Document Number	0025210530
Map Reference	CASE 5536
Instrument Date	Dec 28, 2021
Instrument	25210530
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	9748 HOPI LN, GILROY, CA 95020-9607

Mortgage

Document Number	0025210531
Date	Jan 3, 2022
Instrument	25210531

Lender

Name	PINHEIRO FAMILY TRUST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	190 1ST ST, GILROY, CA 95020-5129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024200046
Date	Jun 11, 2019
Instrument	24200046

Lender

Name	COGENT BANK
Type	Bank
Address	MORGAN HILL, CA 95037

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$595,336 (+2%) Land $308,492 Building $286,844
2025	$7,357.00 (+1.6%)	$583,664 (+4.04%) Land $302,444 Building $281,220
2024	$7,241.00 (+0.61%)
2023	$7,197.00 (+11.46%)	$561,000 Land $290,700 Building $270,300
2022	$6,457.00

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

Flood

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	7 (1982–1997)
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 6 claims

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

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 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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