8485 Rancho Real, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8485 Rancho Real, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,926 sqft · built 1980
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$526,500 (Oct 2014)
Tax Bill	$11,597 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-26-029`

Property Details

APN / Parcel Number

Primary APN	`783-26-029`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,926 sqft Living Area
Gross Area	2,986 sqft
1st Floor Area	2,590 sqft
2nd Floor Area	336 sqft
Basement Area	60 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1981
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Terrain	Gentle Slope
Garage Area	1,017 sqft
Parking Spaces	4 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	8485 RANCHO REAL
City	GILROY
State	CA
Zip	95020-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5965 LOT 30
Legal Subdivision	5925 SANTA TERESA HILLS UN #1
Legal Tract	5965
Legal Lot Number	30
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2003
Census Tract	512516

Owner

Source: Santa Clara County records, as of July 28, 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	8485 RANCHO REAL, GILROY, CA 95020-3749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2014 · Amount on Record
Deed Sale	Oct 1, 2014 · Amount on Record
Prior Sale	May 1, 2013 · Amount on Record
Deed Document Number	201422731359
Prior Transfer Date	Jun 2, 2004
Prior Transfer Doc	0017859145
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8485 RANCHO REAL, GILROY, CA 95020-3749
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8485 RANCHO REAL, GILROY, CA 95020-3749

Mortgage

Document Number	0025262840
Date	Mar 17, 2022
Instrument	25262840

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8485 RANCHO REAL, GILROY, CA 95020-3749
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8485 RANCHO REAL, GILROY, CA 95020-3749

Mortgage

Document Number	0025206837
Date	Dec 29, 2021
Instrument	25206837

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8485 RANCHO REAL, GILROY, CA 95020-3749
Document Number	0024053931
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8485 RANCHO REAL GILROY CA 950203749, GILROY, CA 95020-3749

Mortgage

Document Number	0024053931
Date	Nov 1, 2018
Instrument	24053931

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95164-1690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

Interest

Rate Type	Adjustable Rate

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		$965,985 (+2%) Land $429,053 Building $536,932
2025	$11,597.00 (+2.21%) Homeowner's exemption	$947,045 (+4.04%) Land $420,641 Building $526,404
2023	$11,346.00 (+1.68%) Homeowner's exemption	$910,272 Land $404,308 Building $505,964
2022	$11,159.00

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.06% 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 702 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier.

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