635 Terri Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 635 Terri Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,323 sqft · built 1975
Lot Size	2.33 acres (101,864 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,482 (2025)
Deeds & Mortgages	Nov 2022 Reverse Mortgage Apr 2019 Transfer
Flood Zone	Zone D (undetermined)
APN	`835-14-044`

Property Details

APN / Parcel Number

Primary APN	`835-14-044`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,323 sqft Living Area
1st Floor Area	1,500 sqft
2nd Floor Area	823 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	101,864 sqft
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	635 TERRI CT
City	GILROY
State	CA
Zip	95020-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-40A
Legal Subdivision	HENRY MILLERS SUB
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3027
Census Tract	512401

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 Company Names on Record
Mailing Address	635 TERRI CT, GILROY, CA 95020-3512
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 5, 2019
Transfer Doc	0024162318
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 1, 2022
Property Address	635 TERRI CT, GILROY, CA 95020-3512
Document Number	0025394599
Map Reference	MB E PG 77
Instrument Date	Oct 27, 2022
Instrument	25394599
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WFG NATIONAL TITLE

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
Relationship	Living Trust
Address	635 TERRI CT, GILROY, CA 95020-3512

Mortgage

Document Number	0025394600
Date	Nov 1, 2022
Instrument	25394600

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.82%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.8%

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 23, 2019
Property Address	635 TERRI CT, GILROY, CA 95020-3512
Document Number	0024162318
Instrument Date	Apr 5, 2019
Instrument	24162318
Transaction Type	Transfer
Record Updated	May 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	635 TERRI CT GILROY CA 950203512, GILROY, CA 95020-3512

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$447,938 (+2%) Land $158,474 Building $289,464
2025	$5,482.00 (+2.37%)	$439,156 (+4.04%) Land $155,367 Building $283,789
2023	$5,355.00 (+1.83%)	$422,105 Land $149,335 Building $272,770
2022	$5,259.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	26 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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.02% 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hankins Information Technology Fiber · Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Spectrum, Verizon.

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