315 Ronan Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 315 Ronan Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,671 sqft · built 2004
Lot Size	0.164 acres (7,163 sqft)
Owner	2 Individual Names on Record
Last Sale	$421,000 (Jun 2011)
Tax Bill	$6,713 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`790-16-211`

Property Details

APN / Parcel Number

Primary APN	`790-16-211`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,671 sqft Living Area
1st Floor Area	1,245 sqft
2nd Floor Area	1,426 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,163 sqft (0.164 acres)
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 RONAN AVE
City	GILROY
State	CA
Zip	95020-7222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9488 BOOK 768 PAGE 13 PAGE 14 LOT 3
Legal Subdivision	TRACT NO 9488
Legal Tract	9488
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512514

Owner

Source: Santa Clara County records, as of August 4, 2026

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 Record
Mailing Address	315 RONAN AVE, GILROY, CA 95020-7222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit OAKTREE FUNDING CORPORATION
Dec 30, 2025	Deed of Trust, Mortgage · Balloon Mortgage AFI SERVICES INC DEFINED BENEFITS PLAN
Dec 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2011 · Amount on Record
Deed Sale	Jun 10, 2011 · Amount on Record
Prior Sale	Dec 16, 2005 · Amount on Record
Deed Document Number	201121203440
Last Transfer Date	Dec 10, 2021
Transfer Doc	0025203489
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 29, 2026
Property Address	315 RONAN AVE, GILROY, CA 95020-7222
Document Number	0026029747
Instrument Date	Jul 24, 2026
Instrument	202626029747
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	315 RONAN AVE, GILROY, CA 95020-7222

Mortgage

Document Number	0026029747,
Date	Jul 29, 2026
Instrument	202626029747

Lender

Name	OAKTREE FUNDING CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	315 RONAN AVE, GILROY, CA 95020-7222
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 RONAN AVE, GILROY, CA 95020-7222

Mortgage

Document Number	0025924665
Date	Dec 30, 2025
Instrument	25924665

Lender

Name	AFI SERVICES INC DEFINED BENEFITS PLAN
Address	3275 E ROBERTSON BLVD STE B, CHOWCHILLA, CA 93610

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2027

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 23, 2021
Property Address	315 RONAN AVE, GILROY, CA 95020-7222
Document Number	0025203489
Map Reference	MB 768 PG 13&14
Instrument Date	Dec 10, 2021
Instrument	25203489
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	315 RONAN AVE, GILROY, CA 95020-7222

Mortgage

Document Number	0025203490
Date	Dec 23, 2021
Instrument	25203490

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

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
2026		$550,147 (+2%) Land $192,484 Building $357,663
2025	$6,713.00 (+2.19%)	$539,360 (+4.04%) Land $188,710 Building $350,650
2023	$6,569.00 (+1.67%)	$518,418 Land $181,383 Building $337,035
2022	$6,461.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% 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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 621 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 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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