5530 Michelle Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 5530 Michelle Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,683 sqft · built 1977
Lot Size	0.189 acres (8,220 sqft)
Owner	Trust Name on File
Tax Bill	$11,023 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone D (undetermined)
APN	`810-31-021`

Property Details

APN / Parcel Number

Primary APN	`810-31-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,683 sqft Living Area
1st Floor Area	1,683 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	8,220 sqft (0.189 acres)
Lot Dimensions	60 ft deep x 137 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	5530 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 89
Legal Subdivision	MESA ROAD RANCH
Legal Tract	4995
Legal Lot Number	89
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1027
Census Tract	512510

Owner

5530 Michelle Ct is owner-occupied and held in a trust since March 2023.

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

Owner of Record	Trust Name on File
Mailing Address	5530 MICHELLE CT, GILROY, CA 95020-6806
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 10, 2026	Deed of Trust, Mortgage · Commercial Mortgage POINT TITLING TRUST
Apr 10, 2023	Intrafamily Transfer, Transfer
Mar 20, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 15, 2023
Transfer Doc	0025451006
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5530 MICHELLE CT, GILROY, CA 95020-6806
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 MICHELLE CT, GILROY, CA 95020-6806

Mortgage

Document Number	0025954474
Date	Mar 10, 2026
Instrument	25954474

Lender

Name	POINT TITLING TRUST
Type	Private Party
Address	PO BOX 192, PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2056

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 10, 2023
Property Address	5530 MICHELLE CT, GILROY, CA 95020-6806
Document Number	0025460251
Map Reference	MB C-325
Instrument Date	Mar 15, 2023
Instrument	25460251
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	5530 MICHELLE CT, GILROY, CA 95020-6806

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 20, 2023
Property Address	5530 MICHELLE CT, GILROY, CA 95020-6806
Document Number	0025451006
Map Reference	MB 341 PG 9-15
Instrument Date	Mar 15, 2023
Instrument	25451006
Transaction Type	Transfer
Record Updated	Apr 3, 2023

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	5530 MICHELLE CT, GILROY, CA 95020-6806

Tax Assessment & Valuation

The 2025 property tax bill for 5530 Michelle Ct was $11,023 with a homeowner's exemption.

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		$935,000 (+3.89%) Land $713,500 Building $221,500
2025	$11,023.00 Homeowner's exemption	$900,000 Land $686,800 Building $213,200
2023	$10,411.00 (+541.86%) Homeowner's exemption	$835,000 Land $637,200 Building $197,800
2022	$1,622.00

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

Flood

FEMA maps place 5530 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 5530 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.

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