555 Ronan Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 555 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	Individual Name on Record
Last Sale	$344,000 (Apr 2012)
Tax Bill	$5,406 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`790-16-068`

Property Details

APN / Parcel Number

Primary APN	`790-16-068`

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	555 RONAN AVE
City	GILROY
State	CA
Zip	95020-7244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4
Legal Subdivision	GILROY
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512514

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	555 RONAN AVE, GILROY, CA 95020-7244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Intrafamily Transfer, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Apr 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2012 · Amount on Record
Deed Sale	Apr 27, 2012 · Amount on Record
Prior Sale	Mar 9, 2012 · Amount on Record
Deed Document Number	201221641620
Prior Transfer Date	Mar 1, 2007
Prior Transfer Doc	0019356298
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 22, 2024
Property Address	555 RONAN AVE, GILROY, CA 95020-7244
Document Number	0025589072
Map Reference	MB 655 PG 21&22
Instrument Date	Jan 16, 2024
Instrument	25589072
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	555 RONAN AVE, GILROY, CA 95020-7244

Mortgage

Document Number	0025589073
Date	Jan 22, 2024
Instrument	25589073

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 9, 2021
Property Address	555 RONAN AVE, GILROY, CA 95020-7244
Document Number	0024915176
Map Reference	MB 655 PG 21&22
Instrument Date	Mar 22, 2021
Instrument	24915176
Transaction Type	Transfer
Record Updated	Sep 1, 2021
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	555 RONAN AVE, GILROY, CA 95020-7244

Mortgage

Document Number	0024915177
Date	Apr 9, 2021
Instrument	24915177

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	555 RONAN AVE, GILROY, CA 95020-7244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023786380
Date	Oct 27, 2017
Instrument	23786380

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	555 RONAN AVE, GILROY, CA 95020-7244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024585721
Date	Aug 24, 2020
Instrument	24585721

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$440,712 (+2%) Land $269,041 Building $171,671
2025	$5,406.00 (+2.21%)	$432,071 (+4.04%) Land $263,766 Building $168,305
2023	$5,289.00 (+1.67%)	$415,295 Land $253,525 Building $161,770
2022	$5,202.00

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

Flood

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 714 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: GeoLinks, Verizon.

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