2521 Apple Tree Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2521 Apple Tree Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,035 sqft · built 2016
Lot Size	0.143 acres (6,240 sqft)
Owner	Individual Name on File
Last Sale	$1,350,000 (Jan 2022)
Tax Bill	$17,612 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`810-86-024`

Property Details

APN / Parcel Number

Primary APN	`810-86-024`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
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	Other
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	2521 APPLE TREE WAY
City	GILROY
State	CA
Zip	95020-7580
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20S
Legal Description	TR 10279 LOT 24
Legal Tract	10279
Legal Lot Number	24
Jurisdiction	SANTA CLARA CA
Township / Civil Division	LLAGAS-UVAS
Census Block Group	3
Census Block	3005
Census Tract	512200

Owner

2521 Apple Tree Way is owned and occupied by an individual who bought it in January 2022.

Source: Santa Clara County records, as of October 20, 2025

Owner of Record	Individual Name on File
Mailing Address	2521 APPLE TREE WAY, GILROY, CA 95020-7580
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 24, 2022	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 20, 2018	Grant Deed, Transfer · Conventional Mortgage ETHOS LNDG
Feb 24, 2017	Grant Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	25225028
Record Updated	Jun 8, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 24, 2022
Property Address	2521 APPLE TREE WAY, GILROY, CA 95020-7580
Document Number	0025225028
Map Reference	MB 893 PG 32-41
Instrument Date	Dec 29, 2021
Instrument	25225028
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	1069 GRECO AVE, SUNNYVALE, CA 94087-2747

Mortgage

Document Number	0025225029
Date	Jan 24, 2022
Instrument	25225029

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	2521 APPLE TREE WAY, GILROY, CA 95020-7580
Document Number	0024547873
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 APPLE TREE WAY GILROY CA 950207580, GILROY, CA 95020-7580

Mortgage

Document Number	0024547873
Date	Jul 21, 2020
Instrument	24547873

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 20, 2018
Property Address	2521 APPLE TREE WAY, GILROY, CA 95020-7580
Document Number	0023986248
Instrument Date	Jul 13, 2018
Instrument	23986248
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 APPLE TREE WAY GILROY CA 950207580, GILROY, CA 95020-7580

Mortgage

Document Number	23986249
Date	Jul 20, 2018
Instrument	23986249

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2048

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 24, 2017
Property Address	2521 APPLE TREE WAY, GILROY, CA 95020-7580
Document Number	0023588600
Map Reference	MAP893 PG32-41
Instrument Date	Feb 21, 2017
Instrument	23588600
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Joint Tenants
Address	2631 GRASSLAND WAY, GILROY, CA 95020-7586

Mortgage

Document Number	0023588601
Date	Feb 24, 2017
Instrument	23588601

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2521 Apple Tree Way was $17,612.

Source: Santa Clara County assessment roll, as of July 1, 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	$17,612.00	$1,345,000 Land $672,500 Building $672,500
2023	$16,957.00 (+24.14%)	$1,275,000 Land $637,500 Building $637,500
2022	$13,660.00

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

Flood

FEMA maps place 2521 Apple Tree Way in Zone D, where flood risk has not been studied.

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

Wildfire risk around 2521 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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