831 Morningside Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 831 Morningside Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,564 sqft · built 1998
Lot Size	0.077 acres (3,370 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Apr 2011)
Tax Bill	$5,527 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-55-061`

Property Details

APN / Parcel Number

Primary APN	`790-55-061`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,564 sqft Living Area
1st Floor Area	849 sqft
2nd Floor Area	715 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Architectural Style	Other
Construction Type	Wood
Lot Area	3,370 sqft (0.077 acres)
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	831 MORNINGSIDE CIR
City	GILROY
State	CA
Zip	95020-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 8940 LOT 61
Legal Subdivision	8940 SUMMERHILL
Legal Tract	8940
Legal Lot Number	61
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512505

Owner

Source: Santa Clara County records, as of October 20, 2025

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
Co-owner	Co-owner on Record
Mailing Address	831 MORNINGSIDE CIR, GILROY, CA 95020-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2011 · Amount on Record
Deed Sale	Apr 8, 2011 · Amount on Record
Prior Sale	Feb 4, 2010 · Amount on Record
Deed Document Number	21140678
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	831 MORNINGSIDE CIR, GILROY, CA 95020-3202
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 MORNINGSIDE CIR, GILROY, CA 95020-3202

Mortgage

Document Number	0025134930
Date	Oct 15, 2021
Instrument	25134930

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	831 MORNINGSIDE CIR, GILROY, CA 95020-3202
Document Number	0024349034
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 MORNINSIDE CIR GILROY CA 95020, GILROY, CA 95020

Mortgage

Document Number	0024349034
Date	Dec 5, 2019
Instrument	24349034

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	831 MORNINGSIDE CIR, GILROY, CA 95020-3202
Document Number	0024122926
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 MORNINGSIDE CIR GILROY CA 950203202, GILROY, CA 95020-3202

Mortgage

Document Number	0024122926
Date	Feb 26, 2019
Instrument	24122926

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 2025

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
2025	$5,527.00 (+2.2%)	$441,992 (+4.04%) Land $176,794 Building $265,198
2023	$5,408.00 (+1.69%)	$424,831 Land $169,930 Building $254,901
2022	$5,318.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 659 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Frontier, GeoLinks, Verizon.

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