545 Cipres Ln, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 545 Cipres Ln, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,753 sqft · built 2020
Lot Size	0.15 acres (6,547 sqft)
Owner	2 Individual Names on File
Last Sale	$1,640,000 (Oct 2023)
Tax Bill	$19,062 (2025)
Deeds & Mortgages	Mar 2024 Sale Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`726-02-037`

Property Details

APN / Parcel Number

Primary APN	`726-02-037`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,753 sqft Living Area
1st Floor Area	1,275 sqft
2nd Floor Area	1,478 sqft

Exterior

Year Built	Built 2020
Architectural Style	Other
Construction Type	Wood
Lot Area	6,547 sqft (0.15 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	545 CIPRES LN
City	MORGAN HILL
State	CA
Zip	95037-4464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 10471 LOT 19
Legal Subdivision	10471 LAS COLINAS
Legal Tract	10471
Legal Lot Number	19
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512312

Owner

545 Cipres Ln is owned and occupied by two individuals who bought it in October 2023.

Source: Santa Clara County records, as of October 20, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 22, 2024	Grant Deed, Transfer
Oct 19, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 31, 2020	Deed of Trust, Mortgage · Commercial Mortgage BAY COMMERCIAL BANK
Jun 30, 2020	Quit Claim Deed CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Jun 30, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on File
Deed Sale	Oct 19, 2023 · Amount on File
Prior Sale	Jun 30, 2020
Deed Document Number	25546959
Record Updated	Jun 8, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 22, 2024
Property Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Document Number	0025613092
Instrument Date	Mar 5, 2024
Instrument	25613092
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 19, 2023
Property Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Document Number	0025546959
Map Reference	MB 916 PG 30-33
Instrument Date	Oct 6, 2023
Instrument	25546959
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Tenants in Common
Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464

Mortgage

Document Number	0025546960
Date	Oct 19, 2023
Instrument	25546960

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Max Rate	11.3%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 CIPRES LN 95037, 95037, MORGAN HILL, CA 95037-4464

Mortgage

Document Number	0024593833
Date	Aug 31, 2020
Instrument	24593833

Lender

Name	BAY COMMERCIAL BANK
Type	Bank
Address	WALNUT CREEK, CA 94596

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 30, 2020
Property Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Document Number	0024522169
Instrument Date	Jun 26, 2020
Instrument	24522169
Record Updated	Jul 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	545 CIPRES LN MORGAN HILL CA 950374464, MORGAN HILL, CA 95037-4464

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 30, 2020
Property Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464
Document Number	0024522168
Map Reference	MB 916 PG 30-33
Instrument Date	Jun 21, 2020
Instrument	24522168
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY

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
Relationship	Joint Tenants
Address	545 CIPRES LN, MORGAN HILL, CA 95037-4464

Tax Assessment & Valuation

The 2025 property tax bill for 545 Cipres Ln was $19,062.

Source: Santa Clara County assessment roll, as of July 1, 2025

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
2025	$19,062.00	$1,672,800 Land $1,111,800 Building $561,000
2023	$15,540.00 (+1.7%)	$1,350,762 Land $772,615 Building $578,147
2022	$15,280.00

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

Flood

FEMA maps place 545 Cipres Ln 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	6 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 545 Cipres Ln 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 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 782 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
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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