580 Polk Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 580 Polk Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,190 sqft · built 1977
Lot Size	0.146 acres (6,364 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,000 (May 2019)
Tax Bill	$8,283 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2019 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`841-62-027`

Property Details

APN / Parcel Number

Primary APN	`841-62-027`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	1,190 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,364 sqft (0.146 acres)
Lot Dimensions	74 ft deep x 86 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	580 POLK CT
City	GILROY
State	CA
Zip	95020-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5839 MURRAY MANOR BOOK 321 PAGE 44 LOT 36
Legal Subdivision	MURRAY MANOR
Legal Tract	5839
Legal Lot Number	36
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512604

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	580 POLK CT, GILROY, CA 95020-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 16, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
May 16, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
May 16, 2019	Grant Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	May 16, 2019
Deed Document Number	201924181158
Prior Transfer Date	May 15, 2019
Prior Transfer Doc	0024181157
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	580 POLK CT, GILROY, CA 95020-4606
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 POLK CT, GILROY, CA 95020-4606

Mortgage

Document Number	0025184530
Date	Dec 3, 2021
Instrument	25184530

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 16, 2019
Property Address	580 POLK CT, GILROY, CA 95020-4606
Document Number	0024181157
Instrument Date	May 15, 2019
Instrument	24181157
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	580 POLK CT GILROY CA 950204606, GILROY, CA 95020-4606

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 16, 2019
Property Address	580 POLK CT, GILROY, CA 95020-4606
Document Number	0024181156
Instrument Date	May 15, 2019
Instrument	24181156
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 POLK CT GILROY CA 950204606, GILROY, CA 95020-4606

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 16, 2019
Property Address	580 POLK CT, GILROY, CA 95020-4606
Document Number	0024181158
Instrument Date	Apr 29, 2019
Instrument	24181158
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	580 POLK CT GILROY CA 950204606, GILROY, CA 95020-4606

Mortgage

Document Number	24181159
Date	May 16, 2019
Instrument	24181159

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

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		$681,554 (+2%) Land $545,017 Building $136,537
2025	$8,283.00 (+2.18%)	$668,191 (+4.04%) Land $534,331 Building $133,860
2023	$8,106.00 (+1.67%)	$642,246 Land $513,583 Building $128,663
2022	$7,973.00

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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	Under 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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