40 Ervin Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 40 Ervin Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,185 sqft · built 2006
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,410,000 (Oct 2021)
Tax Bill	$18,289 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone AH (high risk)
APN	`799-46-054`

Property Details

APN / Parcel Number

Primary APN	`799-46-054`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,185 sqft Living Area
Gross Area	2,682 sqft
1st Floor Area	1,522 sqft
2nd Floor Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,536 sqft (0.173 acres)
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	40 ERVIN CT
City	GILROY
State	CA
Zip	95020-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A120
Legal Description	ERVIN COURT LOT 4
Legal Subdivision	ERVIN COURT
Legal Tract	9650
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2000
Census Tract	512509

Owner

Source: Santa Clara County records, as of July 27, 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	40 ERVIN CT, GILROY, CA 95020-6601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Oct 27, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Mar 18, 2019	Grant Deed, Transfer · Conventional with PMI MORTGAGE BK/CA
Apr 20, 2018	Trustee's Deed, Foreclosure PREMIUM TITLE/CA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	202125145283
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024271575
Date	Sep 4, 2019
Instrument	24271575

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ERVIN CT, GILROY, CA 95020-6601

Mortgage

Document Number	0024775571
Date	Jan 6, 2021
Instrument	24775571

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Margin	3
Max Rate	7.75%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 27, 2021
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Document Number	0025145283
Map Reference	MB 782 PG 41&42
Instrument Date	Oct 25, 2021
Instrument	25145283
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	40 ERVIN CT, GILROY, CA 95020-6601
Investor	Possibly a Property Investor

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Document Number	0024313038
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 ERVIN CT GILROY CA 950206601, GILROY, CA 95020-6601

Mortgage

Document Number	0024313038
Date	Oct 25, 2019
Instrument	24313038

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 24, 2039

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 18, 2019
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Document Number	0024136700
Instrument Date	Mar 12, 2019
Instrument	24136700
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40-42 ERVIN CT GILROY CA 950206601, GILROY, CA 95020-6601

Mortgage

Document Number	24136701
Date	Mar 18, 2019
Instrument	24136701

Lender

Name	MORTGAGE BK/CA
Type	Bank
Address	MANHATTAN BEACH, CA 90266

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.5%

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 20, 2018
Property Address	40 ERVIN CT, GILROY, CA 95020-6601
Document Number	0023914378
Instrument Date	Apr 16, 2018
Instrument	23914378
Transaction Type	Foreclosure
Record Updated	Jun 25, 2018
Title Company	PREMIUM TITLE/CA INC

Transaction

Amount	Amount Recorded
Tax	$1,003.14
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5720 PREMIER PARK DR WEST PALM BEACH FL 334071610, WEST PALM BEACH, FL 33407-1610

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		$1,410,000 (-1.96%) Land $619,900 Building $790,100
2025	$18,289.00
2023		$1,438,200 Land $632,400 Building $805,800

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	195.0 ft
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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 94% of the US · lower than 96% 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 477 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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