5520 Michelle Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 5520 Michelle Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,624 sqft · built 1977
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Jun 2023)
Tax Bill	$12,312 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`810-31-020`

Property Details

APN / Parcel Number

Primary APN	`810-31-020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	90 ft deep x 80 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	5520 MICHELLE CT
City	GILROY
State	CA
Zip	95020-6806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 4995 MESA ROAD RANCH BOOK 341 PAGE 9 PAGE 15 LOT 88
Legal Subdivision	MESA ROAD RANCH
Legal Tract	4995
Legal Lot Number	88
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1027
Census Tract	512510

Owner

5520 Michelle Ct is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5520 MICHELLE CT, GILROY, CA 95020-6806
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
Jun 30, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jun 30, 2023	Grant Deed, Transfer · Conventional Mortgage THE LOAN STORE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	Nov 19, 1996 · Amount on File
Deed Document Number	202325495345
Prior Transfer Date	Apr 4, 1996
Prior Transfer Doc	0013289664
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 30, 2023
Property Address	5520 MICHELLE CT, GILROY, CA 95020-6806
Document Number	0025495343
Map Reference	MB 341 PG 9-15
Instrument Date	Jun 27, 2023
Instrument	25495343
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	5520 MICHELLE CT, GILROY, CA 95020-6806

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 30, 2023
Property Address	5520 MICHELLE CT, GILROY, CA 95020-6806
Document Number	0025495345
Map Reference	MB 341 PG 9-15
Instrument Date	Jun 15, 2023
Instrument	25495345
Transaction Type	Transfer
Record Updated	Jul 11, 2023
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	$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	5520 MICHELLE CT, GILROY, CA 95020-6806

Mortgage

Document Number	0025495346
Date	Jun 30, 2023
Instrument	25495346

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 5520 Michelle Ct was $12,312.

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		$965,000 (-3.38%) Land $603,100 Building $361,900
2025	$12,312.00	$998,784 Land $624,240 Building $374,544
2023	$1,028.00 (+1.98%) Homeowner's exemption	$78,843 (+2%) Land $19,957 Building $58,886
2022	$1,008.00 Homeowner's exemption	$77,298 Land $19,566 Building $57,732

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

FEMA maps place 5520 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 Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1986–2023)
Most Recent Claim	Jan 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 5520 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 Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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 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 101 locations within half a mile, as of December 31, 2025

Provider	Max 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.

Nearby Properties on Michelle Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures