192 Caroline Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 192 Caroline Ln, Gilroy, CA 95020

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,509 sqft · built 2007
Lot Size	0.045 acres (1,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Mar 2008)
Tax Bill	$7,221 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`841-82-032`

Property Details

APN / Parcel Number

Primary APN	`841-82-032`

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	1,954 sqft (0.045 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	192 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 32
Legal Subdivision	9848 FOREST PARK
Legal Tract	9848
Legal Lot Number	32
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1012
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	2 Individual Names on Record
Mailing Address	192 CAROLINE LN, GILROY, CA 95020-5261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
Sep 23, 2019	Deed of Trust, Mortgage · Conventional with PMI COMMONWEALTH CTRL CU
Jun 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CTRL CU
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CTRL CU
May 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2008 · Amount on Record
Deed Sale	Mar 21, 2008 · Amount on Record
Deed Document Number	200819786045
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	192 CAROLINE LN, GILROY, CA 95020-5261
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0025029190
Date	Jul 14, 2021
Instrument	25029190

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	192 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0024291792
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	192 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0024291792
Date	Sep 27, 2019
Instrument	24291792

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95138

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	192 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0024211381
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	192 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0024211381
Date	Jun 26, 2019
Instrument	24211381

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95164-1690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2034

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	192 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0024128528
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	192 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0024128528
Date	Mar 6, 2019
Instrument	24128528

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95164-1690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 5, 2034

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	192 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0023945116
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	192 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0023945116
Date	May 31, 2018
Instrument	23945116

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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		$603,574 (+2%) Land $301,787 Building $301,787
2025	$7,221.00 (+2.22%) Homeowner's exemption	$591,740 (+4.04%) Land $295,870 Building $295,870
2023	$7,064.00 (+1.67%) Homeowner's exemption	$568,764 Land $284,382 Building $284,382
2022	$6,948.00

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	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

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.

Nearby Properties on Caroline Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures