7905 Spanish Oak Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7905 Spanish Oak Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,133 sqft · built 2010
Lot Size	0.046 acres (1,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$711,000 (Sep 2019)
Tax Bill	$9,531 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`808-46-040`

Property Details

APN / Parcel Number

Primary APN	`808-46-040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,133 sqft Living Area
1st Floor Area	949 sqft
2nd Floor Area	1,184 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,996 sqft (0.046 acres)
Garage Area	404 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7905 SPANISH OAK CIR
City	GILROY
State	CA
Zip	95020-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9778 BENASSI OAKS-PHASE 2 BOOK 802 PAGE 35 PAGE 36 LOT 16
Legal Subdivision	BENASSI OAKS PH 02
Legal Tract	9778
Legal Lot Number	16
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3006
Census Tract	512510

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 Individual Names on Record
Mailing Address	7905 SPANISH OAK CIR, GILROY, CA 95020-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2019	Grant Deed, Transfer · Conventional with PMI STAR ONE CU
Oct 23, 2017	Quit Claim Deed, Transfer · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	201924270730
Prior Transfer Date	Sep 14, 2016
Prior Transfer Doc	0023446627
Record Updated	Oct 29, 2026

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 3, 2019
Property Address	7905 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0024270730
Instrument Date	Aug 27, 2019
Instrument	24270730
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$782.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7905 SPANISH OAK CIR GILROY CA 950202538, GILROY, CA 95020-2538

Mortgage

Document Number	24270731
Date	Sep 3, 2019
Instrument	24270731

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 23, 2017
Property Address	7905 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0023782688
Instrument Date	Oct 15, 2017
Instrument	23782688
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7905 SPANISH OAK CIR GILROY CA 950202538, GILROY, CA 95020-2538

Mortgage

Document Number	23782689
Date	Oct 23, 2017
Instrument	23782689

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

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		$793,130 (+2%) Land $436,166 Building $356,964
2025	$9,531.00 (+2.22%) Homeowner's exemption	$777,579 (+4.04%) Land $427,614 Building $349,965
2023	$9,324.00 (+1.68%) Homeowner's exemption	$747,386 Land $411,010 Building $336,376
2022	$9,170.00

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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.04% 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 521 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: AT&T, Frontier, GeoLinks.

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