470 Ronan Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 470 Ronan Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,936 sqft · built 1948
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (May 2001)
Tax Bill	$647 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-01-011`

Property Details

APN / Parcel Number

Primary APN	`790-01-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
Gross Area	1,328 sqft
1st Floor Area	1,328 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1961
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	175 ft deep x 75 ft wide
Garage Area	1,242 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	470 RONAN AVE
City	GILROY
State	CA
Zip	95020-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 5
Legal Subdivision	NORTH GILROY
Legal Block	5
Legal Lot Number	5
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2000
Census Tract	512514

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	470 RONAN AVE, GILROY, CA 95020-7223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 4, 2018	Deed of Trust, Mortgage · Loan Assumption SANTA CLARA COUNTY FCU
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 3, 2017	Loan Modification, Mortgage · Line of Credit SANTA CLARA CNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2001 · Amount on Record
Deed Sale	May 25, 2001 · Amount on Record
Deed Document Number	200115695643
Last Transfer Date	Jan 7, 2008
Transfer Doc	0019708647
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	470 RONAN AVE, GILROY, CA 95020-7223
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023818980
Date	Dec 5, 2017
Instrument	23818980

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	470 RONAN AVE, GILROY, CA 95020-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023946986
Date	Jun 4, 2018
Instrument	23946986

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95112

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	300 Months
Due	Jun 3, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	2 Years
Index	11th District COF

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	470 RONAN AVE, GILROY, CA 95020-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024362926
Date	Dec 20, 2019
Instrument	24362926

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	470 RONAN AVE, GILROY, CA 95020-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 RONAN AVE, GILROY, CA 95020-7223

Mortgage

Document Number	0024589305
Date	Aug 26, 2020
Instrument	24589305

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CLARA CA
Property Address	470 RONAN AVE, GILROY, CA 95020-7223
Document Number	0023818979
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0023818979
Date	Dec 5, 2017
Instrument	23818979

Lender

Name	SANTA CLARA CNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95112

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$42,377 (+2%) Land $4,145 Building $38,232
2025	$647.00 (+2.37%)	$41,547 (+4.03%) Land $4,064 Building $37,483
2023	$632.00 (+1.94%)	$39,936 Land $3,907 Building $36,029
2022	$620.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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