20 Keystone Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 20 Keystone Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1955
Lot Size	0.244 acres (10,640 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (May 2019)
Tax Bill	$11,392 (2025)
Deeds & Mortgages	May 2018 Line of Credit May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`764-16-017`

Property Details

APN / Parcel Number

Primary APN	`764-16-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	10,640 sqft (0.244 acres)
Lot Dimensions	133 ft deep x 80 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20 KEYSTONE AVE
City	MORGAN HILL
State	CA
Zip	95037-4325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Subdivision	L M HALE ADD
Legal Lot Number	8,9
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3022
Census Tract	512314

Owner

20 Keystone Ave is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 LA PAZ CT, MORGAN HILL, CA 95037-5728
Owner Type	Individual
Vesting	Joint Tenants

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 16, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
May 17, 2019	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 24, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 23, 2017	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Mar 23, 2017 · Amount on File
Deed Document Number	201924182216
Prior Transfer Date	Nov 29, 2016
Prior Transfer Doc	0023567271
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20 KEYSTONE AVE, MORGAN HILL, CA 95037-4325
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023933924
Date	May 16, 2018
Instrument	23933924

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 17, 2019
Property Address	20 KEYSTONE AVE, MORGAN HILL, CA 95037-4325
Document Number	0024182216
Map Reference	MB H PG 21
Instrument Date	May 13, 2019
Instrument	24182216
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 KEYSTONE AVE, MORGAN HILL, CA 95037-4325

Mortgage

Document Number	0024182217
Date	May 17, 2019
Instrument	24182217

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	20 KEYSTONE AVE, MORGAN HILL, CA 95037-4325
Document Number	0023794047
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 KEYSTONE AVE MORGAN HILL CA 950374325, MORGAN HILL, CA 95037-4325

Mortgage

Document Number	0023794047
Date	Nov 6, 2017
Instrument	23794047

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 23, 2017
Property Address	20 KEYSTONE AVE, MORGAN HILL, CA 95037-4325
Document Number	0023608736
Instrument Date	Mar 20, 2017
Instrument	23608736
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20 KEYSTONE AVE MORGAN HILL CA 950374325, MORGAN HILL, CA 95037-4325

Mortgage

Document Number	23608737
Date	Mar 23, 2017
Instrument	23608737

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Keystone Ave was $11,392.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Morgan Hill City
Unified School District	Morgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,012,663 (+2%) Land $853,369 Building $159,294
2025	$11,392.00	$992,808 Land $836,637 Building $156,171
2023	$11,037.00 (+1.7%)	$954,257 Land $804,150 Building $150,107
2022	$10,853.00

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

Flood

FEMA maps place 20 Keystone Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 102 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	9 (2002–2019)
Most Recent Claim	Feb 2019 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 2 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

Wildfire risk around 20 Keystone Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 MORGAN HILL serves 47,374 people · EPA ID CA4310006
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2022–2024) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 483 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
Verizon Fixed Wireless	300 / 20
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.

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