196 Caroline Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 196 Caroline Ln, Gilroy, CA 95020

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,679 sqft · built 2007
Lot Size	0.045 acres (1,955 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Aug 2021)
Tax Bill	$9,342 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2023 Second Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`841-82-031`

Property Details

APN / Parcel Number

Primary APN	`841-82-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,679 sqft Living Area
1st Floor Area	639 sqft
2nd Floor Area	1,040 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,955 sqft (0.045 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	196 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 31
Legal Subdivision	9848 FOREST PARK
Legal Tract	9848
Legal Lot Number	31
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	Individual Name on Record
Mailing Address	196 CAROLINE LN, GILROY, CA 95020-5261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SANTA CLARA COUNTY FCU
Oct 16, 2025	Deed of Trust, Mortgage · FHA Mortgage E MORTGAGE CAPITAL INC
Aug 9, 2021	Quit Claim Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Aug 9, 2021	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Jan 29, 2016 · Amount on Record
Deed Document Number	202125058561
Prior Transfer Date	Aug 6, 2021
Prior Transfer Doc	0025058562
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0024877943
Date	Mar 17, 2021
Instrument	24877943

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0025474955
Date	May 15, 2023
Instrument	25474955

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0025885389
Date	Oct 16, 2025
Instrument	25885389

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	3750 S SUSAN ST, SANTA ANA, CA 92704

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2021
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0025058562
Map Reference	MB 808 PG 18-22
Instrument Date	Aug 6, 2021
Instrument	25058562
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CAROLINE LN, GILROY, CA 95020-5261

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2021
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0025058561
Map Reference	MB 808 PG 18-22
Instrument Date	Jul 30, 2021
Instrument	25058561
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	196 CAROLINE LN, GILROY, CA 95020-5261

Mortgage

Document Number	0025058563
Date	Aug 9, 2021
Instrument	25058563

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	196 CAROLINE LN, GILROY, CA 95020-5261
Document Number	0023835796
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	196 CAROLINE LN GILROY CA 950205261, GILROY, CA 95020-5261

Mortgage

Document Number	0023835796
Date	Dec 27, 2017
Instrument	23835796

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

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		$773,936 (+2%) Land $386,968 Building $386,968
2025	$9,342.00 (+2.18%)	$758,762 (+4.04%) Land $379,381 Building $379,381
2023	$9,143.00 (+1.65%)	$729,300 Land $364,650 Building $364,650
2022	$8,995.00

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.

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