2405 Ric Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2405 Ric Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,434 sqft · built 1989
Lot Size	2.76 acres (120,661 sqft)
Owner	Trust Name on File
Tax Bill	$11,816 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Oct 2021 Second Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`835-24-092`

Property Details

APN / Parcel Number

Primary APN	`835-24-092`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,434 sqft Living Area
1st Floor Area	3,434 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	120,661 sqft
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2405 RIC DR
City	GILROY
State	CA
Zip	95020-9179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	LIVE OAK CREEK EST MAP D6 958
Legal Subdivision	LIVE OAK CREEK ESTATES
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2003
Census Tract	512602

Owner

2405 Ric Dr is owner-occupied and held in a trust since December 2008.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 63, SAN MARTIN, CA 95046-0063
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
May 7, 2018	Deed of Trust, Mortgage · Line of Credit TECHNOLOGY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 23, 2008
Transfer Doc	0020075618
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2405 RIC DR, GILROY, CA 95020-9179
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 RIC DR, GILROY, CA 95020-9179

Mortgage

Document Number	0025128515
Date	Oct 12, 2021
Instrument	25128515

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	299 Months
Due	Sep 20, 2046

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2405 RIC DR, GILROY, CA 95020-9179
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 RIC DR, GILROY, CA 95020-9179

Mortgage

Document Number	0025119671
Date	Oct 1, 2021
Instrument	25119671

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	299 Months
Due	Sep 20, 2046

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2405 RIC DR, GILROY, CA 95020-9179
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023926221
Date	May 7, 2018
Instrument	23926221

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 20, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Ric Dr was $11,816 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$990,573 (+2%) Land $303,380 Building $687,193
2025	$11,816.00 Homeowner's exemption	$971,151 Land $297,432 Building $673,719
2023	$11,539.00 (+1.83%) Homeowner's exemption	$933,441 Land $285,883 Building $647,558
2022	$11,332.00

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

Flood

FEMA maps place 2405 Ric Dr in Zone D, where flood risk has not been studied, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone D undetermined · not studied
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 2405 Ric Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hankins Information Technology Fiber · Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Spectrum, Verizon.

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