7927 Spanish Oak Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7927 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	0.044 acres (1,893 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,262 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-46-028`

Property Details

APN / Parcel Number

Primary APN	`808-46-028`

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	1,893 sqft (0.044 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	7927 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 4
Legal Subdivision	BENASSI OAKS PH 02
Legal Tract	9778
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage STRONG HOME MORTGAGE LLC
Feb 18, 2020	Intrafamily Transfer, Transfer · VA Mortgage STRONG HOME MORTGAGE LLC
Mar 17, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020
Deed Sale	Feb 18, 2020
Prior Sale	Jun 29, 2010 · Amount on Record
Deed Document Number	202024406962
Prior Transfer Date	Nov 23, 2019
Prior Transfer Doc	0024406962
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0024776481
Date	Jan 6, 2021
Instrument	24776481

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 18, 2020
Property Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0024406962
Map Reference	MB 802 PG 35&36
Instrument Date	Nov 23, 2019
Instrument	24406962
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	SOLIDIFI TITLE & CLOSING

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	Joint Tenants
Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538

Mortgage

Document Number	0024406963
Date	Feb 18, 2020
Instrument	24406963

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7927 SPANISH OAK CIR, GILROY, CA 95020-2538
Document Number	0023607415
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7927 SPANISH OAK CIR GILROY CA 950202538, GILROY, CA 95020-2538

Mortgage

Document Number	0023607415
Date	Mar 22, 2017
Instrument	23607415

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 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		$512,364 (+2%) Land $171,152 Building $341,212
2025	$6,262.00 (+2.2%)	$502,319 (+4.04%) Land $167,797 Building $334,522
2023	$6,127.00 (+1.68%)	$482,815 Land $161,282 Building $321,533
2022	$6,026.00

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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