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5515 Michelle Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 5515 Michelle Ct, Gilroy, CA 95020

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,003 sqft · built 1977
Lot Size0.226 acres (9,840 sqft)
Owner2 Company Names on File
Last Sale$340,000 (Jun 1998)
Tax Bill$6,671 (2025)
Deeds & MortgagesJul 2022 Line of Credit
Flood ZoneZone D (undetermined)
APN810-31-018

Property Details

APN / Parcel Number

Primary APN810-31-018

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms9 Rooms
Stories1 Story
Building Area2,003 sqft Living Area
Gross Area1,683 sqft
1st Floor Area1,683 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Architectural StyleCustom Design
Exterior MaterialWood
Construction TypeWood
Roof MaterialWood Shingle
Lot Area9,840 sqft (0.226 acres)
Lot Dimensions120 ft deep x 82 ft wide
Garage Area504 sqft
Parking Spaces2 Parking Spaces
PorchPorch

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address5515 MICHELLE CT
CityGILROY
StateCA
Zip95020-6806
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionTRACT 4995 MESA ROAD RANCH BOOK 341 PAGE 9 PAGE 15 LOT 83
Legal SubdivisionMESA ROAD RANCH
Legal Tract4995
Legal Lot Number83
JurisdictionSANTA CLARA CA
Township / Civil DivisionSOUTH SANTA CLARA VALLEY
Census Block Group1
Census Block1027
Census Tract512510

Owner

5515 Michelle Ct is owned by a company that bought it in June 1998.

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

Owner of Record2 Company Names on File
Mailing Address5515 MICHELLE CT, GILROY, CA 95020-6806
Owner TypeCompany
VestingLife 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 11, 1998 · Amount on File
Deed SaleJun 11, 1998 · Amount on File
Deed Document Number199814228841
Record UpdatedOct 29, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address5515 MICHELLE CT, GILROY, CA 95020-6806
Transaction TypeMortgage
Record UpdatedJul 15, 2022
Title CompanyCHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

NameVerified Name
Address5515 MICHELLE CT, GILROY, CA 95020-6806

Mortgage

Document Number0025331975
DateJul 7, 2022
Instrument25331975
Lender
NameSANTA CLARA COUNTY FCU
TypeCredit Union
AddressSAN JOSE, CA 95112
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueJul 6, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 5515 Michelle Ct was $6,671.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityGilroy City
Unified School DistrictGilroy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$553,733 (+2%) Land $239,502 Building $314,231
2025$6,671.00 Homeowner's exemption$542,876 Land $234,806 Building $308,070
2023$6,524.00 (+1.7%) Homeowner's exemption$521,797 Land $225,689 Building $296,108
2022$6,415.00

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

Flood

FEMA maps place 5515 Michelle Ct in Zone D, where flood risk has not been studied, though there have been 4 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone D
undetermined · not studied
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims4 (1986–2023)
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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

Wildfire risk around 5515 Michelle Ct is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 58% of the US · lower than 65% of California
Wildfire Likelihood0.2% annual chance
ExposureIndirect
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 SystemCITY OF GILROY
serves 59,426 people · EPA ID CA4310004
Water SourceGroundwater
Last State InspectionFeb 2025
Also Mapped HereSANTA CLARA VALLEY WATER DISTRICT
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrate
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 101 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Razzolink
Fixed Wireless		500 / 250
Etheric Networks
Fixed Wireless		250 / 100

May also be available: Hankins Information Technology.

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