645 Spring Ave, Morgan Hill, CA 95037 Property Records

Santa Clara County property record for 645 Spring Ave, Morgan Hill, CA 95037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,962 sqft · built 1981
Lot Size	0.162 acres (7,035 sqft)
Owner	2 Individual Names on File
Last Sale	$887,000 (Oct 2019)
Tax Bill	$11,052 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`767-01-030`

Property Details

APN / Parcel Number

Primary APN	`767-01-030`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,962 sqft Living Area
1st Floor Area	1,375 sqft
2nd Floor Area	1,587 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,035 sqft (0.162 acres)
Lot Dimensions	105 ft deep x 67 ft wide
Garage Area	749 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	645 SPRING AVE
City	MORGAN HILL
State	CA
Zip	95037-4841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 6008 SPRING HILL ESTATES BOOK 438 PAGE 17 PAGE 19 LOT 26
Legal Subdivision	SPRING HILL ESTATES
Legal Tract	6008
Legal Lot Number	26
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512313

Owner

645 Spring Ave is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Oct 10, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2019 · Amount on File
Deed Sale	Oct 10, 2019 · Amount on File
Prior Sale	Apr 11, 2014 · Amount on File
Deed Document Number	201924302020
Prior Transfer Date	Nov 28, 2006
Prior Transfer Doc	0019208257
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841

Mortgage

Document Number	0025940315
Date	Feb 5, 2026
Instrument	25940315

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	100 N TRYON ST, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 28, 2056

Interest

Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841

Mortgage

Document Number	0025037765
Date	Jul 22, 2021
Instrument	25037765

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 10, 2019
Property Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841
Document Number	0024302020
Map Reference	MB 438 PG 17-19
Instrument Date	Oct 8, 2019
Instrument	24302020
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	645 SPRING AVE, MORGAN HILL, CA 95037-4841

Mortgage

Document Number	0024302021
Date	Oct 10, 2019
Instrument	24302021

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 645 Spring Ave was $11,052 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	Morgan Hill City
Unified School District	Morgan Hill Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$989,064 (+2%) Land $741,706 Building $247,358
2025	$11,052.00 Homeowner's exemption	$969,671 Land $727,163 Building $242,508
2023	$10,704.00 (+1.71%) Homeowner's exemption	$932,019 Land $698,927 Building $233,092
2022	$10,524.00

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

Flood

FEMA maps place 645 Spring Ave in Zone X, an area of moderate flood risk, though there have been 7 flood claims nearby since 1996.

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	7 in force
Nearby Flood Claims	7 (1996–2019)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jan 2019 · 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

Wildfire risk around 645 Spring Ave is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 MORGAN HILL serves 47,374 people · EPA ID CA4310006
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	Under 1 ppb (2022–2024) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 463 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Spring Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures