495 Ronan Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 495 Ronan Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1994
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Company Names on File
Last Sale	$805,000 (Oct 2025)
Tax Bill	$10,803 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jan 2024 Second Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`790-16-065`

Property Details

APN / Parcel Number

Primary APN	`790-16-065`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,662 sqft (0.13 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	495 RONAN AVE
City	GILROY
State	CA
Zip	95020-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512514

Owner

495 Ronan Ave is owned by a company that bought it in October 2025.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	2 Company Names on File
Mailing Address	495 RONAN AVE, GILROY, CA 95020-7243
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Intrafamily Transfer, Transfer
Jan 17, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANLEADERS OF AMERICA INC
Sep 19, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 22, 2025	Grant Deed, Transfer · Conventional Mortgage AAA CAPITAL INVESTMENT INC
Mar 21, 2022	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 14, 2018	Grant Deed, Transfer · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Mar 21, 2022 · Amount on File
Deed Document Number	202525888626
Prior Transfer Date	Apr 3, 2001
Prior Transfer Doc	0015629692
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 26, 2026
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Document Number	0025948949
Map Reference	MB 655 PG 21 & 22
Instrument Date	Feb 25, 2026
Instrument	25948949
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RONAN AVE, GILROY, CA 95020-7243

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0025586819
Date	Jan 17, 2024
Instrument	25586819

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0025700613
Date	Sep 19, 2024
Instrument	25700613

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 22, 2025
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Document Number	0025888626
Map Reference	MB 655 PG 21 & 22
Instrument Date	Oct 16, 2025
Instrument	25888626
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0025888627
Date	Oct 22, 2025
Instrument	25888627

Lender

Name	AAA CAPITAL INVESTMENT INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 21, 2022
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Document Number	0025264938
Map Reference	MB 655 PG 21&22
Instrument Date	Mar 18, 2022
Instrument	25264938
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
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
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0025264939
Date	Mar 21, 2022
Instrument	25264939

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 14, 2018
Property Address	495 RONAN AVE, GILROY, CA 95020-7243
Document Number	0023955777
Map Reference	MB655 PG21&22
Instrument Date	Jun 8, 2018
Instrument	23955777
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0023955779
Date	Jun 14, 2018
Instrument	23955779

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 8, 2048

Mortgage

Document Number	0023955778
Date	Jun 14, 2018
Instrument	23955778

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 495 Ronan Ave was $10,803, down 0.4% from the year before.

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		$805,000 (-8%) Land $322,000 Building $483,000
2025	$10,803.00 (-0.38%)	$875,000 Land $596,500 Building $278,500
2024	$10,844.00 (+8.43%)
2023	$10,001.00 (+64.35%)	$795,000 Land $542,000 Building $253,000
2022	$6,085.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 495 Ronan Ave in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

The area around 495 Ronan Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 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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