7917 Spanish Oak Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7917 Spanish Oak Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 2010
Lot Size	0.043 acres (1,892 sqft)
Owner	Individual Name on Record
Last Sale	$652,000 (Jul 2017)
Tax Bill	$9,096 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-46-029`

Property Details

APN / Parcel Number

Primary APN	`808-46-029`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	786 sqft
2nd Floor Area	1,104 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,892 sqft (0.043 acres)
Garage Area	405 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	7917 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 5
Legal Subdivision	BENASSI OAKS PH 02
Legal Tract	9778
Legal Lot Number	5
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3001
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	Individual Name on Record
Mailing Address	7917 SPANISH OAK CIR, GILROY, CA 95020-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 21, 2017	Grant Deed, Transfer · Conventional Mortgage PRINCETON CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2017 · Amount on Record
Deed Sale	Jul 21, 2017 · Amount on Record
Prior Sale	Sep 22, 2015 · Amount on Record
Deed Document Number	201723708167
Last Transfer Date	Jan 31, 2020
Transfer Doc	0024398388
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7917 SPANISH OAK CIR, GILROY, CA 95020-2538
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7917 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0024975692
Date	May 26, 2021
Instrument	24975692

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 6, 2020
Property Address	7917 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0024398388
Map Reference	MB 802 PG 35&36
Instrument Date	Jan 31, 2020
Instrument	24398388
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	7917 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0024398389
Date	Feb 6, 2020
Instrument	24398389

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Mortgage

Document Number	0024398390
Date	Feb 6, 2020
Instrument	24398390

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 21, 2017
Property Address	7917 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0023708167
Instrument Date	Jul 19, 2017
Instrument	23708167
Transaction Type	Transfer
Record Updated	Aug 2, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7917 SPANISH OAK CIR GILROY CA 950202538, GILROY, CA 95020-2538

Mortgage

Document Number	23708168
Date	Jul 21, 2017
Instrument	23708168

Lender

Name	PRINCETON CAP
Type	Funding / Finance Company
Address	LOS GATOS, CA 95032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 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		$756,695 (+2%) Land $416,183 Building $340,512
2025	$9,096.00 (+2.23%) Homeowner's exemption	$741,859 (+4.04%) Land $408,023 Building $333,836
2023	$8,898.00 (+1.69%) Homeowner's exemption	$713,054 Land $392,180 Building $320,874
2022	$8,750.00

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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