1905 Rucker Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1905 Rucker Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1986
Lot Size	2.47 acres (108,028 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Dec 1998)
Tax Bill	$8,799 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`830-12-081`

Property Details

APN / Parcel Number

Primary APN	`830-12-081`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,708 sqft Living Area
1st Floor Area	1,074 sqft
2nd Floor Area	634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	108,028 sqft
Lot Dimensions	276 ft deep x 346 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1905 RUCKER AVE
City	GILROY
State	CA
Zip	95020-8907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	LOT A
Legal Subdivision	DUNNE RANCH 01 CATHERINE
Legal Lot Number	A
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2005
Census Tract	512401

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	Individual Name on Record
Mailing Address	1905 RUCKER AVE, GILROY, CA 95020-8907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 1998 · Amount on Record
Deed Sale	Dec 22, 1998 · Amount on Record
Prior Sale	Jul 31, 1997 · Amount on Record
Deed Document Number	199814564263
Prior Transfer Date	Jul 22, 1997
Prior Transfer Doc	0013796070
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1905 RUCKER AVE, GILROY, CA 95020-8907
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 RUCKER AVE, GILROY, CA 95020-8907

Mortgage

Document Number	0025048773
Date	Jul 30, 2021
Instrument	25048773

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1905 RUCKER AVE, GILROY, CA 95020-8907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024530098
Date	Jul 8, 2020
Instrument	24530098

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1905 RUCKER AVE, GILROY, CA 95020-8907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 RUCKER AVE, GILROY, CA 95020-8907

Mortgage

Document Number	0024652949
Date	Oct 14, 2020
Instrument	24652949

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$735,552 (+2%) Land $367,776 Building $367,776
2025	$8,799.00 (+2.41%) Homeowner's exemption	$721,130 (+4.04%) Land $360,565 Building $360,565
2023	$8,592.00 (+1.84%) Homeowner's exemption	$693,130 Land $346,565 Building $346,565
2022	$8,437.00

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 D undetermined · not studied
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1980–2000)
Most Recent Claim	Feb 2000 · 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

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.3% 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hankins Information Technology Fiber · Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: South Valley Internet, Verizon.

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