2302 Hoya Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2302 Hoya Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,302 sqft · built 2007
Lot Size	1.03 acres (45,247 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,325,000 (Nov 2025)
Tax Bill	$18,776 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`783-64-034`

Property Details

APN / Parcel Number

Primary APN	`783-64-034`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,302 sqft Living Area
1st Floor Area	3,049 sqft
Basement Area	1,253 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	45,247 sqft
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2302 HOYA LN
City	GILROY
State	CA
Zip	95020-8413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 76
Legal Subdivision	TRACT 9201
Legal Tract	9201
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2017
Census Tract	512515

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	2302 HOYA LN, GILROY, CA 95020-8413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 14, 2025	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 5, 2024	Intrafamily Transfer, Transfer
Mar 28, 2017	Intrafamily Transfer, Transfer · ARM AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Mar 3, 2011 · Amount on Record
Deed Document Number	202525903574
Prior Transfer Date	May 3, 2024
Prior Transfer Doc	0025646023
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2302 HOYA LN, GILROY, CA 95020-8413
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 HOYA LN, GILROY, CA 95020-8413

Mortgage

Document Number	0025115999
Date	Sep 29, 2021
Instrument	25115999

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2302 HOYA LN, GILROY, CA 95020-8413
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 HOYA LN, GILROY, CA 95020-8413

Mortgage

Document Number	0024911375
Date	Apr 7, 2021
Instrument	24911375

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 14, 2025
Property Address	2302 HOYA LN, GILROY, CA 95020-8413
Document Number	0025903574
Map Reference	MB 729 PG 1-18
Instrument Date	Nov 3, 2025
Instrument	25903574
Transaction Type	Transfer
Record Updated	Apr 2, 2026
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	$2,557.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2302 HOYA LN, GILROY, CA 95020-8413

Mortgage

Document Number	0025903575
Date	Nov 14, 2025
Instrument	25903575

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	Other
Max Rate	10.8%

June 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 5, 2024
Property Address	2302 HOYA LN, GILROY, CA 95020-8413
Document Number	0025646023
Map Reference	MB 729 PG 1-18
Instrument Date	May 3, 2024
Instrument	25646023
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2302 HOYA LN, GILROY, CA 95020-8413

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 28, 2017
Property Address	2302 HOYA LN, GILROY, CA 95020-8413
Document Number	0023610956
Map Reference	MAP729 PG1-18
Instrument Date	Mar 22, 2017
Instrument	23610956
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2302 HOYA LN, GILROY, CA 95020-8413

Mortgage

Document Number	0023610957
Date	Mar 28, 2017
Instrument	23610957

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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		$2,325,000 (+52.06%) Land $1,000,000 Building $1,325,000
2025	$18,776.00	$1,528,989 (+4.04%) Land $579,084 Building $949,905
2023		$1,469,619 Land $556,599 Building $913,020

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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	High above 75% of the US · above 51% of California
Wildfire Likelihood	0.5% 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	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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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

Cell Coverage

5G (outdoors only) and 4G LTE

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