40 el Toro Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 40 el Toro Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,850 sqft · built 1925
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Nov 2017)
Tax Bill	$10,074 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`764-13-041`

Property Details

APN / Parcel Number

Primary APN	`764-13-041`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
Gross Area	1,213 sqft
1st Floor Area	1,213 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	145 ft deep x 60 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	40 EL TORO AVE
City	MORGAN HILL
State	CA
Zip	95037-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT I
Legal Subdivision	HIGH SCHOOL PARK
Legal Lot Number	I
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3014
Census Tract	512314

Owner

Source: Santa Clara County records, as of July 27, 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 Record
Mailing Address	40 EL TORO AVE, MORGAN HILL, CA 95037-4308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 17, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2017 · Amount on Record
Deed Sale	Nov 17, 2017 · Amount on Record
Prior Sale	Nov 17, 1993 · Amount on Record
Deed Document Number	201723806583
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	40 EL TORO AVE, MORGAN HILL, CA 95037-4308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024578192
Date	Aug 17, 2020
Instrument	24578192

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	40 EL TORO AVE, MORGAN HILL, CA 95037-4308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024292969
Date	Sep 30, 2019
Instrument	24292969

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 17, 2017
Property Address	40 EL TORO AVE, MORGAN HILL, CA 95037-4308
Document Number	0023806583
Map Reference	MAP R PG25
Instrument Date	Nov 13, 2017
Instrument	23806583
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default 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	40 EL TORO AVE, MORGAN HILL, CA 95037-4308

Mortgage

Document Number	0023806584
Date	Nov 17, 2017
Instrument	23806584

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0023806585
Date	Nov 17, 2017
Instrument	23806585

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Morgan Hill City
Unified School District	Morgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$893,646 (+2%) Land $696,349 Building $197,297
2025	$10,074.00 (+3.22%)	$876,125 (+4.04%) Land $682,696 Building $193,429
2023	$9,760.00 (+1.7%)	$842,106 Land $656,187 Building $185,919
2022	$9,597.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 102 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	9 (2002–2019)
Most Recent Claim	Feb 2019 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 2 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 MORGAN HILL serves 47,374 people · EPA ID CA4310006
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 483 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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