645 Terri Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 645 Terri Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,641 sqft · built 1976
Lot Size	2.44 acres (106,565 sqft)
Owner	Individual Name on File
Tax Bill	$10,105 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone D (undetermined)
APN	`835-14-042`

Property Details

APN / Parcel Number

Primary APN	`835-14-042`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,641 sqft Living Area
Gross Area	1,860 sqft
1st Floor Area	1,860 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	106,565 sqft
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	645 TERRI CT
City	GILROY
State	CA
Zip	95020-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-40A
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 assessment roll, 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	Individual Name on File
Mailing Address	645 TERRI CT, GILROY, CA 95020-3512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Oct 1, 2013
Transfer Doc	0022733481
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	645 TERRI CT, GILROY, CA 95020-3512
Document Number	0023721709
Instrument Date	Jul 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 TERRI CT GILROY CA 950203512, GILROY, CA 95020-3512

Mortgage

Document Number	0023721709
Date	Aug 8, 2017
Instrument	23721709

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$844,597 (+2%) Land $62,174 Building $782,423
2025	$10,105.00 (+32.26%) Homeowner's exemption	$828,037 (+39.51%) Land $60,955 Building $767,082
2023	$7,640.00 (+305.52%)	$593,522 Land $58,589 Building $534,933
2022	$1,884.00

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

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 Communications, LLC. Fixed Wireless	250 / 100
T-Mobile USA Fixed Wireless	100 / 20

May also be available: California Internet, Spectrum, Verizon.

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