2354 Banyan St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2354 Banyan St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,383 sqft · built 2024
Lot Size	0.899 acres (39,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Aug 2015)
Tax Bill	$41,276 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-65-022`

Property Details

APN / Parcel Number

Primary APN	`783-65-022`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	6,383 sqft Living Area
Gross Area	5,218 sqft
1st Floor Area	3,193 sqft
2nd Floor Area	2,025 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	39,155 sqft (0.899 acres)
Parking Spaces	2 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	2354 BANYAN ST
City	GILROY
State	CA
Zip	95020-8419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9201 LOT 81
Legal Subdivision	9201 COUNTRY ESTATES PH 2
Legal Tract	9201
Legal Lot Number	81
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2027
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	2121 CRUDEN BAY WAY, GILROY, CA 95020-3081
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Aug 29, 2023	Intrafamily Transfer, Transfer · Construction Mortgage ZB NA
Feb 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2015 · Amount on Record
Deed Sale	Aug 25, 2015 · Amount on Record
Prior Sale	Dec 31, 2003 · Amount on Record
Deed Document Number	201523062224
Last Transfer Date	Aug 25, 2023
Transfer Doc	0025523867
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2354 BANYAN ST, GILROY, CA 95020-8419
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2354 BANYAN ST, GILROY, CA 95020-8419

Mortgage

Document Number	0025916523
Date	Dec 10, 2025
Instrument	25916523

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	1936 E DEERE AVE STE 200, SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 29, 2023
Property Address	2354 BANYAN ST, GILROY, CA 95020-8419
Document Number	0025523867
Map Reference	MB 729 PG 1-18
Instrument Date	Aug 25, 2023
Instrument	25523867
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	CORNERSTONE TITLE COMPANY

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	Community Property with Right of Survivorship
Address	2121 CRUDEN BAY WAY, GILROY, CA 95020-3081

Mortgage

Document Number	0025523868
Date	Aug 29, 2023
Instrument	25523868

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Sep 1, 2035
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	13.5%
Index	1-Year T-Bill
Max Rate	13.5%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 12, 2020
Property Address	2354 BANYAN ST, GILROY, CA 95020-8419
Document Number	0024401796
Instrument Date	Jan 9, 2020
Instrument	24401796
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2121 CRUDEN BAY WAY GILROY CA 950203081, GILROY, CA 95020-3081

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		$3,185,000 (-5.4%) Land $362,100 Building $2,822,900
2025	$41,276.00 (+687.71%)	$3,366,774 (+815.11%) Land $382,774 Building $2,984,000
2023	$5,240.00 (-61.29%)	$367,911 Land $367,911
2022	$13,535.00

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
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	Moderate above 67% of the US · above 42% of California
Wildfire Likelihood	0.4% 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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