620 el Toro Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 620 el Toro Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1953
Lot Size	0.142 acres (6,200 sqft)
Owner	Trust Name on File
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Nov 2018 Reverse Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-31-018`

Property Details

APN / Parcel Number

Primary APN	`790-31-018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	1,448 sqft
1st Floor Area	1,448 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	620 EL TORO WAY
City	GILROY
State	CA
Zip	95020-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 971 WAYLAND LANE TRACT BOOK 36 PAGE 17 LOT 27
Legal Subdivision	WAYLAND LANE TR
Legal Tract	971
Legal Lot Number	27
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1018
Census Tract	512513

Owner

620 el Toro Way is owner-occupied and held in a trust since November 1996.

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

Owner of Record	Trust Name on File
Mailing Address	620 EL TORO WAY, GILROY, CA 95020-4318
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
Nov 26, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Nov 15, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 14, 1996
Transfer Doc	0013522631
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	620 EL TORO WAY, GILROY, CA 95020-4318
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024068457
Date	Nov 26, 2018
Instrument	24068457

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.64%
Type Change Date	Dec 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	620 EL TORO WAY, GILROY, CA 95020-4318
Document Number	0024068458
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	620 EL TORO WAY GILROY CA 950204318, GILROY, CA 95020-4318

Mortgage

Document Number	0024068458
Date	Nov 26, 2018
Instrument	24068458

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	4.64%

Tax Assessment & Valuation

The 2025 property tax bill for 620 el Toro Way was $2,416 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		$197,561 (+2%) Land $45,272 Building $152,289
2025	$2,416.00 Homeowner's exemption	$193,688 Land $44,385 Building $149,303
2023	$2,360.00 (+1.81%) Homeowner's exemption	$186,168 Land $42,662 Building $143,506
2022	$2,318.00

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

Flood

FEMA maps place 620 el Toro Way in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 620 el Toro Way has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 659 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: AT&T, GeoLinks, Verizon.

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