641 el Toro Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 641 el Toro Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1953
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Company Names on Record
Last Sale	$169,000 (Apr 1996)
Tax Bill	$3,561 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-31-010`

Property Details

APN / Parcel Number

Primary APN	`790-31-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	641 EL TORO WAY
City	GILROY
State	CA
Zip	95020-4317
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 33
Legal Subdivision	WAYLAND LANE TR
Legal Tract	971
Legal Lot Number	33
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1019
Census Tract	512513

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	16689 SHADOW OAKS LN, MEADOW VISTA, CA 95722-9599
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Aug 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 1996 · Amount on Record
Deed Sale	Apr 18, 1996 · Amount on Record
Deed Document Number	199613263508
Deed Book / Page	292 / 381
Prior Transfer Date	Jan 30, 1995
Prior Transfer Doc	0012802983
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	641 EL TORO WAY, GILROY, CA 95020-4317
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 EL TORO WAY, GILROY, CA 95020-4317

Mortgage

Document Number	0024993603
Date	Jun 11, 2021
Instrument	24993603

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	641 EL TORO WAY, GILROY, CA 95020-4317
Document Number	0024303881
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	641 EL TORO WAY GILROY CA 950204317, GILROY, CA 95020-4317

Mortgage

Document Number	0024303881
Date	Oct 15, 2019
Instrument	24303881

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	641 EL TORO WAY, GILROY, CA 95020-4317
Document Number	0024013147
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	641 EL TORO WAY GILROY CA 950204317, GILROY, CA 95020-4317

Mortgage

Document Number	0024013147
Date	Aug 29, 2018
Instrument	24013147

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

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		$286,341 (+2%) Land $101,652 Building $184,689
2025	$3,561.00 (+4.8%)	$280,727 (+4.04%) Land $99,659 Building $181,068
2023	$3,398.00 (+1.77%) Homeowner's exemption	$269,828 Land $95,790 Building $174,038
2022	$3,339.00

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

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

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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