6975 Spumante Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 6975 Spumante Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,173 sqft · built 2019
Lot Size	0.101 acres (4,417 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jan 2023)
Tax Bill	$15,354 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`808-56-025`

Property Details

APN / Parcel Number

Primary APN	`808-56-025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,173 sqft Living Area
1st Floor Area	1,502 sqft
2nd Floor Area	1,671 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	4,417 sqft (0.101 acres)
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6975 SPUMANTE WAY
City	GILROY
State	CA
Zip	95020-2752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Subdivision	TRACT NO 10345
Legal Tract	10345
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2011
Census Tract	512510

Owner

6975 Spumante Way is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	6975 SPUMANTE WAY, GILROY, CA 95020-2752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jan 3, 2023	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 20, 2020	Grant Deed, Transfer · Conventional Mortgage ONE AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Prior Sale	Apr 20, 2020 · Amount on File
Record Updated	Jun 8, 2026

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 3, 2023
Property Address	6975 SPUMANTE WAY, GILROY, CA 95020-2752
Document Number	0025422077
Map Reference	MB 914 PG 8-13
Instrument Date	Dec 15, 2022
Instrument	25422077
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	6975 SPUMANTE WAY, GILROY, CA 95020-2752

Mortgage

Document Number	0025422078
Date	Jan 3, 2023
Instrument	25422078

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	Other
Max Rate	10%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6975 SPUMANTE WAY, GILROY, CA 95020-2752
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 SPUMANTE WAY, GILROY, CA 95020-2752

Mortgage

Document Number	0024763208
Date	Dec 24, 2020
Instrument	24763208

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 20, 2020
Property Address	6975 SPUMANTE WAY, GILROY, CA 95020-2752
Document Number	0024458762
Map Reference	MB 914 MAP 8-13
Instrument Date	Apr 9, 2020
Instrument	24458762
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CALATLANTIC TITLE INC

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	6975 SPUMANTE WAY, GILROY, CA 95020-2752

Mortgage

Document Number	0024458763
Date	Apr 20, 2020
Instrument	24458763

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6975 Spumante Way was $15,354, up 1.6% from the year before.

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$15,354.00 (+1.59%)	$1,248,480 Land $572,220 Building $676,260
2024	$15,114.00 (+30.09%)
2023	$11,618.00 (+1.65%)	$925,309 Land $504,839 Building $420,470
2022	$11,429.00

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

Flood

FEMA maps place 6975 Spumante Way in Zone D, where flood risk has not been studied.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 6975 Spumante Way is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Frontier, Verizon.

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