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

Santa Clara County property record for 45 el Toro Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,029 sqft · built 1925
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on Record
Last Sale	$455,500 (Dec 2015)
Tax Bill	$6,189 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2019 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`764-13-029`

Property Details

APN / Parcel Number

Primary APN	`764-13-029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,029 sqft Living Area
1st Floor Area	1,029 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,250 sqft (0.166 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	45 EL TORO AVE
City	MORGAN HILL
State	CA
Zip	95037-4307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT Q
Legal Subdivision	BAILEYS ADD
Legal Lot Number	Q
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Mailing Address	45 EL TORO AVE, MORGAN HILL, CA 95037-4307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Grant Deed, Transfer · Conventional Mortgage NEWREZ LLC
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Oct 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DATA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2015 · Amount on Record
Deed Sale	Dec 29, 2015 · Amount on Record
Prior Sale	Jun 29, 2004 · Amount on Record
Deed Document Number	201523183178
Last Transfer Date	Oct 22, 2020
Transfer Doc	0024679144
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 18, 2026
Property Address	45 EL TORO AVE, MORGAN HILL, CA 95037-4307
Document Number	0025990496
Instrument Date	May 12, 2026
Instrument	202625990496
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 EL TORO AVE, MORGAN HILL, CA 95037-4307
Investor	Possibly a Property Investor

Mortgage

Document Number	0025990496,
Date	May 18, 2026
Instrument	202625990496

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	45 EL TORO AVE, MORGAN HILL, CA 95037-4307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024163367
Date	Apr 24, 2019
Instrument	24163367

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 15, 2049

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 29, 2020
Property Address	45 EL TORO AVE, MORGAN HILL, CA 95037-4307
Document Number	0024679144
Map Reference	MB R PG 25
Instrument Date	Oct 22, 2020
Instrument	24679144
Transaction Type	Transfer
Record Updated	Sep 1, 2021

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	45 EL TORO AVE, MORGAN HILL, CA 95037-4307

Mortgage

Document Number	0024679145
Date	Oct 29, 2020
Instrument	24679145

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company

Agreement

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

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		$549,995 (+2%) Land $482,986 Building $67,009
2025	$6,189.00 (+3.25%) Homeowner's exemption	$539,212 (+4.04%) Land $473,516 Building $65,696
2023	$5,994.00 (+1.75%) Homeowner's exemption	$518,276 Land $455,130 Building $63,146
2022	$5,891.00

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 669 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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

May also be available: GeoLinks, T-Mobile.

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