5565 Karen Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 5565 Karen Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,282 sqft · built 1978
Lot Size	0.238 acres (10,384 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,115,000 (Jul 2023)
Tax Bill	$14,000 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`810-33-019`

Property Details

APN / Parcel Number

Primary APN	`810-33-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,282 sqft Living Area
1st Floor Area	1,150 sqft
2nd Floor Area	1,132 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	10,384 sqft (0.238 acres)
Lot Dimensions	118 ft deep x 75 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	5565 KAREN CT
City	GILROY
State	CA
Zip	95020-6803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 6012 MESA ROAD RANCH BOOK 396 PAGE 48 PAGE 50 LOT 44
Legal Subdivision	MESA ROAD RANCH
Legal Tract	6012
Legal Lot Number	44
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1027
Census Tract	512510

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	2 Individual Names on Record
Mailing Address	5565 KAREN CT, GILROY, CA 95020-6803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESICENTRAL LLC
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Jun 3, 2016 · Amount on Record
Deed Document Number	202325501417
Prior Transfer Date	Aug 13, 2004
Prior Transfer Doc	0017987425
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 17, 2023
Property Address	5565 KAREN CT, GILROY, CA 95020-6803
Document Number	0025501417
Map Reference	MB 396 PG 48-50
Instrument Date	Jul 12, 2023
Instrument	25501417
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	5565 KAREN CT, GILROY, CA 95020-6803

Mortgage

Document Number	0025501418
Date	Jul 17, 2023
Instrument	25501418

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5565 KAREN CT, GILROY, CA 95020-6803
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5565 KAREN CT, GILROY, CA 95020-6803

Mortgage

Document Number	0025101491
Date	Sep 15, 2021
Instrument	25101491

Lender

Name	RESICENTRAL LLC
Type	Non-Lending Institution
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5565 KAREN CT, GILROY, CA 95020-6803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023877021
Date	Feb 28, 2018
Instrument	23877021

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2038

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	5565 KAREN CT, GILROY, CA 95020-6803
Document Number	0024518018
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5565 KAREN CT GILROY CA 950206803, GILROY, CA 95020-6803

Mortgage

Document Number	0024518018
Date	Jun 25, 2020
Instrument	24518018

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2035

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		$1,065,000 (-6.36%) Land $532,500 Building $532,500
2025	$14,000.00 (+38.09%)	$1,137,300 (+39.89%) Land $568,650 Building $568,650
2023	$10,138.00 (+1.69%) Homeowner's exemption	$812,974 (+2%) Land $568,913 Building $244,061
2022	$9,970.00 Homeowner's exemption	$797,034 Land $557,758 Building $239,276

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 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

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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