841 Morningside Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 841 Morningside Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,504 sqft · built 1998
Lot Size	0.07 acres (3,091 sqft)
Owner	Individual Name on Record
Last Sale	$351,000 (May 2012)
Tax Bill	$5,513 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-55-055`

Property Details

APN / Parcel Number

Primary APN	`790-55-055`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	680 sqft
2nd Floor Area	824 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Architectural Style	Other
Construction Type	Wood
Lot Area	3,091 sqft (0.07 acres)
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	841 MORNINGSIDE CIR
City	GILROY
State	CA
Zip	95020-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 8940 LOT 55
Legal Subdivision	8940
Legal Tract	8940
Legal Lot Number	55
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
Mailing Address	841 MORNINGSIDE CIR, GILROY, CA 95020-3203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 6, 2018	Deed of Trust, Mortgage · ARM FREMONT BANK
Apr 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2012 · Amount on Record
Deed Sale	May 7, 2012 · Amount on Record
Prior Sale	May 7, 2012 · Amount on Record
Deed Document Number	0021656355
Last Transfer Date	Apr 28, 2020
Transfer Doc	0024466053
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	841 MORNINGSIDE CIR, GILROY, CA 95020-3203
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 MORNINGSIDE CIR, GILROY, CA 95020-3203

Mortgage

Document Number	0024864801
Date	Mar 9, 2021
Instrument	24864801

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	841 MORNINGSIDE CIR, GILROY, CA 95020-3203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023862588
Date	Feb 6, 2018
Instrument	23862588

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 28, 2020
Property Address	841 MORNINGSIDE CIR, GILROY, CA 95020-3203
Document Number	0024466053
Map Reference	MB 691 PG 24&25
Instrument Date	Apr 23, 2020
Instrument	24466053
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	841 MORNINGSIDE CIR, GILROY, CA 95020-3203

Mortgage

Document Number	0024466054
Date	Apr 28, 2020
Instrument	24466054

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

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

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	$5,513.00 (+2.21%)	$440,862 (+4.04%) Land $176,343 Building $264,519
2023	$5,394.00 (+1.68%)	$423,746 Land $169,497 Building $254,249
2022	$5,305.00

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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