2491 Apple Tree Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2491 Apple Tree Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,035 sqft · built 2016
Lot Size	0.143 acres (6,240 sqft)
Owner	2 Individual Names on File
Last Sale	$825,500 (Mar 2017)
Tax Bill	$12,808 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`810-86-027`

Property Details

APN / Parcel Number

Primary APN	`810-86-027`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,035 sqft Living Area
1st Floor Area	1,355 sqft
2nd Floor Area	1,680 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	6,240 sqft (0.143 acres)
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2491 APPLE TREE WAY
City	GILROY
State	CA
Zip	95020-7579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20S
Legal Subdivision	TRACT 10279
Legal Tract	10279
Jurisdiction	SANTA CLARA CA
Township / Civil Division	LLAGAS-UVAS
Census Block Group	3
Census Block	3005
Census Tract	512200

Owner

Source: Santa Clara County assessment roll, as of August 11, 2025

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 File
Mailing Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Oct 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CTRL CU
Mar 30, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	201723614285
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579

Mortgage

Document Number	0025024864
Date	Jul 12, 2021
Instrument	25024864

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024584455
Date	Aug 24, 2020
Instrument	24584455

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Document Number	0024309514
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2491 APPLE TREE WAY GILROY CA 950207579, GILROY, CA 95020-7579

Mortgage

Document Number	0024309514
Date	Oct 22, 2019
Instrument	24309514

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Document Number	0023999920
Instrument Date	Aug 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2491 APPLE TREE WAY GILROY CA 950207579, GILROY, CA 95020-7579

Mortgage

Document Number	0023999920
Date	Aug 9, 2018
Instrument	23999920

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95164-1690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 8, 2033

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 30, 2017
Property Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579
Document Number	0023614285
Map Reference	MAP893 PG32-41
Instrument Date	Mar 23, 2017
Instrument	23614285
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Community Property with Right of Survivorship
Address	2491 APPLE TREE WAY, GILROY, CA 95020-7579

Mortgage

Document Number	0023614286
Date	Mar 30, 2017
Instrument	23614286

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$12,808.00 (+1.81%) Homeowner's exemption	$957,745 (+4.04%) Land $406,201 Building $551,544
2024	$12,580.00 (+0.87%)
2023	$12,472.00 (+1.85%) Homeowner's exemption	$920,557 Land $390,429 Building $530,128
2022	$12,245.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% 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 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 179 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 / 35
Razzolink Fixed Wireless	500 / 250
Etheric Communications, LLC. Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier.

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