7925 Spanish Oak Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7925 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	0.04 acres (1,746 sqft)
Owner	Company Name on Record
Last Sale	$570,000 (Jun 2015)
Tax Bill	$8,403 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2021 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`808-46-038`

Property Details

APN / Parcel Number

Primary APN	`808-46-038`

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	1,746 sqft (0.04 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	7925 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 14
Legal Subdivision	BENASSI OAKS PH 02
Legal Tract	9778
Legal Lot Number	14
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	Company Name on Record
Mailing Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jun 3, 2021	Intrafamily Transfer, Transfer
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 19, 2017	Deed of Trust, Mortgage · Conventional with PMI MN CAPITAL INC MN CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2015 · Amount on Record
Deed Sale	Jun 18, 2015 · Amount on Record
Prior Sale	Jun 11, 2010 · Amount on Record
Deed Document Number	201522990801
Last Transfer Date	Apr 29, 2021
Transfer Doc	0024983666
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0025929620
Date	Jan 12, 2026
Instrument	25929620

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	2114 E ACHIEVE WAY, TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 3, 2021
Property Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0024983666
Map Reference	MB 802 PG 35&36
Instrument Date	Apr 29, 2021
Instrument	24983666
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0024797380
Date	Jan 22, 2021
Instrument	24797380

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024422363
Date	Mar 5, 2020
Instrument	24422363

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7925 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0023738680
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	7925 SPANISH OAK CIR GILROY CA 950202538, GILROY, CA 95020-2538

Mortgage

Document Number	0023738680
Date	Aug 25, 2017
Instrument	23738680

Lender

Name	MN CAPITAL INC MN CAPITAL INC
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 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		$698,741 (+2%) Land $384,308 Building $314,433
2025	$8,403.00 (+2.23%) Homeowner's exemption	$685,041 (+4.04%) Land $376,773 Building $308,268
2023	$8,220.00 (+1.68%) Homeowner's exemption	$658,443 Land $362,144 Building $296,299
2022	$8,084.00

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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