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2540 Apple Tree Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 2540 Apple Tree Way, Gilroy, CA 95020

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,182 sqft · built 2016
Lot Size0.085 acres (3,725 sqft)
OwnerIndividual Name on Record
Tax Bill$10,606 (2025)
Deeds & MortgagesFeb 2022 Second Mortgage
Aug 2019 Mortgage
Flood ZoneZone D (undetermined)
APN810-86-042

Property Details

APN / Parcel Number

Primary APN810-86-042

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area2,182 sqft Living Area
1st Floor Area1,032 sqft
2nd Floor Area1,150 sqft

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2017
Construction TypeWood
Lot Area3,725 sqft (0.085 acres)
Garage Area447 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address2540 APPLE TREE WAY
CityGILROY
StateCA
Zip95020-7577
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA-20S
Legal DescriptionTR 10279 LOT 42
Legal Tract10279
Legal Lot Number42
JurisdictionSANTA CLARA CA
Township / Civil DivisionLLAGAS-UVAS
Census Block Group3
Census Block3001
Census Tract512200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2540 APPLE TREE WAY, GILROY, CA 95020-7577
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 4, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
SANTA CLARA COUNTY FCU
Aug 19, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
SANTA CLARA COUNTY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Prior SaleFeb 7, 2017 · Amount on Record
Last Transfer DateAug 19, 2019
Transfer Doc0024258182
Record UpdatedJun 8, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address2540 APPLE TREE WAY, GILROY, CA 95020-7577
Transaction TypeMortgage
Record UpdatedFeb 15, 2022
Title CompanyCHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2540 APPLE TREE WAY, GILROY, CA 95020-7577

Mortgage

Document Number0025234072
DateFeb 4, 2022
Instrument25234072
Lender
NameSANTA CLARA COUNTY FCU
TypeCredit Union
AddressSAN JOSE, CA 95112
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

August 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CLARA CA
Recording DateAug 19, 2019
Property Address2540 APPLE TREE WAY, GILROY, CA 95020-7577
Document Number0024258182
Map ReferenceMB 893 PG 32-41
Instrument DateAug 12, 2019
Instrument24258182
Transaction TypeTransfer
Record UpdatedSep 1, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2540 APPLE TREE WAY, GILROY, CA 95020-7577

Mortgage

Document Number0024258183
DateAug 19, 2019
Instrument24258183
Lender
NameSANTA CLARA COUNTY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityGilroy City
Unified School DistrictGilroy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2025$10,606.00 (+2.76%)$770,122 (+4.04%) Land $348,173 Building $421,949
2023$10,321.00 (+1.89%)$740,219 Land $334,654 Building $405,565
2022$10,130.00

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 ZoneZone D
undetermined · not studied
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 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 RiskModerate
above 58% of the US · lower than 65% of California
Wildfire Likelihood0.2% annual chance
ExposureNone
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 SystemCITY OF GILROY
serves 59,426 people · EPA ID CA4310004
Water SourceGroundwater
Last State InspectionFeb 2025
Also Mapped HereSANTA CLARA VALLEY WATER DISTRICT
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrate
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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