7900 Arroyo Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7900 Arroyo Cir, Gilroy, CA 95020

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	125,597 sqft · built 1993
Lot Size	13.7 acres (596,772 sqft)
Owner	Company Name on Record
Last Sale	$13,800,000 (Apr 2024)
Tax Bill	$181,695 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`841-69-037`

Property Details

APN / Parcel Number

Primary APN	`841-69-037`

Interior

Stories	1 Story
Building Area	125,597 sqft Total Area
1st Floor Area	125,597 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Construction Type	Concrete
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	596,772 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	7900 ARROYO CIR
City	GILROY
State	CA
Zip	95020-7314
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C3
Legal Description	LOT 2
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1021
Census Tract	512602

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	Company Name on Record
Mailing Address	1330 SAINT MARYS ST, 350, RALEIGH, NC 27605-3246
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2024	Grant Deed, Transfer · Commercial Mortgage A10 CAPITAL LLC
Jun 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Sep 10, 2021	Intrafamily Transfer, Transfer
Sep 10, 2021	Grant Deed, Transfer
Sep 17, 2021	Grant Deed, Transfer · Commercial Mortgage BANK OF THE WEST
Jan 28, 2019	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2024 · Amount on Record
Deed Sale	Apr 19, 2024 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	202425625644
Prior Transfer Date	Sep 8, 2021
Prior Transfer Doc	0025095767
Record Updated	Sep 20, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 19, 2024
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Document Number	0025625644
Map Reference	MB 643 PGS 21
Instrument Date	Dec 12, 2023
Instrument	25625644
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 SAINT MARYS ST STE 350, 350, RALEIGH, NC 27605-3246
Mail Care Of	ZAPOLSKI REAL ESTATE LLC

Mortgage

Document Number	0025625647
Date	Apr 19, 2024
Instrument	25625647

Lender

Name	A10 CAPITAL LLC
Type	Non-Lending Institution
Address	800 W MAIN ST STE 1100, BOISE, ID 83702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7900 ARROYO CIR, GILROY, CA 95020-7314

Mortgage

Document Number	0025321767
Date	Jun 16, 2022
Instrument	25321767

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 10, 2021
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Document Number	0025095767
Map Reference	MB 643 PG 21-23
Instrument Date	Sep 8, 2021
Instrument	25095767
Transaction Type	Transfer
Record Updated	Sep 20, 2021

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
Address	5832 TIDEWOOD AVE, SARASOTA, FL 34231-3132

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 10, 2021
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Document Number	0025095766
Map Reference	MB 643 PG 21-23
Instrument Date	Sep 8, 2021
Instrument	25095766
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
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
Address	5832 TIDEWOOD AVE, SARASOTA, FL 34231-3132

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 17, 2021
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Document Number	0025103305
Map Reference	MB 643 PG 21-23
Instrument Date	Aug 17, 2021
Instrument	25103305
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	41777 SE HIGHWAY 26, SANDY, OR 97055-9465

Mortgage

Document Number	0025103306
Date	Sep 17, 2021
Instrument	25103306

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CLARA CA
Property Address	7900 ARROYO CIR, GILROY, CA 95020-7314
Document Number	0024119540
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7900 ARROYO CIR GILROY CA 950207314, GILROY, CA 95020-7314

Mortgage

Document Number	0024119540
Date	Feb 20, 2019
Instrument	24119540

Lender

Name	WELLS FARGO BK
Type	Bank
Address	1700 N LINCOLN ST # 3RD, DENVER, CO 80203-4500

Agreement

Amount	Amount Recorded

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		$14,357,520 (+2%) Land $9,311,580 Building $5,045,940
2025	$181,695.00 (-5.35%)	$14,076,000 (-3.5%) Land $9,129,000 Building $4,947,000
2024	$191,958.00 (+0.65%)
2023	$190,721.00 (+1.79%)	$14,586,000 Land $8,160,000 Building $6,426,000
2022	$187,375.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 77 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	5 (2009–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

Provider	Max Down / Up (Mbps)
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: GeoLinks, T-Mobile, Verizon.

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