610 Ronan Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 610 Ronan Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,735 sqft · built 2004
Lot Size	0.163 acres (7,077 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (Mar 2019)
Tax Bill	$12,167 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-17-025`

Property Details

APN / Parcel Number

Primary APN	`790-17-025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,735 sqft Living Area
1st Floor Area	1,223 sqft
2nd Floor Area	1,512 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,077 sqft (0.163 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 RONAN AVE
City	GILROY
State	CA
Zip	95020-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9572 BOOK 770 PAGE 54 PAGE 55 LOT 14
Legal Subdivision	9572 TATUM & WREN
Legal Tract	9572
Legal Lot Number	14
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1006
Census Tract	512505

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	610 RONAN AVE, GILROY, CA 95020-2705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Mar 26, 2019	Grant Deed, Transfer · Conventional Mortgage EXCELERATE CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jan 28, 2005 · Amount on Record
Deed Document Number	201924142343
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	610 RONAN AVE, GILROY, CA 95020-2705
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 RONAN AVE, GILROY, CA 95020-2705

Mortgage

Document Number	0025440889
Date	Feb 22, 2023
Instrument	25440889

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	610 RONAN AVE, GILROY, CA 95020-2705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 RONAN AVE, GILROY, CA 95020-2705

Mortgage

Document Number	0024674172
Date	Oct 27, 2020
Instrument	24674172

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

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

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 26, 2019
Property Address	610 RONAN AVE, GILROY, CA 95020-2705
Document Number	0024142343
Instrument Date	Mar 5, 2019
Instrument	24142343
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	WFG TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
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	610 RONAN AVE GILROY CA 950202705, GILROY, CA 95020-2705

Mortgage

Document Number	24142344
Date	Mar 26, 2019
Instrument	24142344

Lender

Name	EXCELERATE CAP
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.85%

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		$1,006,688 (+2%) Land $553,665 Building $453,023
2025	$12,167.00 (+2.18%)	$986,950 (+4.04%) Land $542,809 Building $444,141
2023	$11,907.00 (+1.66%)	$948,628 Land $521,732 Building $426,896
2022	$11,713.00

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
Nearby Flood Claims	2 (1995–2001)
Most Recent Claim	Jan 2001 · 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	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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