2520 Apple Tree Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2520 Apple Tree Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,360 sqft · built 2016
Lot Size	0.086 acres (3,725 sqft)
Owner	2 Individual Names on File
Last Sale	$724,500 (Feb 2017)
Tax Bill	$11,378 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`810-86-040`

Property Details

APN / Parcel Number

Primary APN	`810-86-040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
1st Floor Area	1,181 sqft
2nd Floor Area	1,179 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,725 sqft (0.086 acres)
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2520 APPLE TREE WAY
City	GILROY
State	CA
Zip	95020-7577
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	3001
Census Tract	512200

Owner

2520 Apple Tree Way is owned and occupied by two individuals who bought it in February 2017.

Source: Santa Clara County records, as of March 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Feb 28, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on File
Deed Sale	Feb 28, 2017 · Amount on File
Deed Document Number	201723590501
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577

Mortgage

Document Number	0025961104
Date	Mar 24, 2026
Instrument	25961104

Lender

Name	STAR ONE CU
Type	Credit Union
Address	PO BOX 3643, SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577

Mortgage

Document Number	0024834608
Date	Feb 17, 2021
Instrument	24834608

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Document Number	0024411059
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2520 APPLE TREE WAY GILROY CA 950207577, GILROY, CA 95020-7577

Mortgage

Document Number	0024411059
Date	Feb 24, 2020
Instrument	24411059

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Document Number	0024019489
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2520 APPLE TREE WAY GILROY CA 950207577, GILROY, CA 95020-7577

Mortgage

Document Number	0024019489
Date	Sep 10, 2018
Instrument	24019489

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 28, 2017
Property Address	2520 APPLE TREE WAY, GILROY, CA 95020-7577
Document Number	0023590501
Instrument Date	Feb 24, 2017
Instrument	23590501
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2551 APRICOT WAY GILROY CA 95020, GILROY, CA 95020

Mortgage

Document Number	23590502
Date	Feb 28, 2017
Instrument	23590502

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2520 Apple Tree Way was $11,378 with a homeowner's exemption, up 1.8% from the year before.

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	$11,378.00 (+1.83%) Homeowner's exemption	$840,405 Land $382,991 Building $457,414
2024	$11,173.00 (+0.9%)
2023	$11,073.00 (+1.89%) Homeowner's exemption	$807,773 Land $368,120 Building $439,653
2022	$10,868.00

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

Flood

FEMA maps place 2520 Apple Tree Way in Zone D, where flood risk has not been studied, within 500 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 AE, within 500 ft
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

Wildfire risk around 2520 Apple Tree Way 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	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 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 Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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