8490 Rancho Real, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8490 Rancho Real, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,638 sqft · built 1979
Lot Size	0.31 acres (13,500 sqft)
Owner	Trust Name on File
Last Sale	$570,000 (Oct 2001)
Tax Bill	$10,317 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2019 Transfer
Flood Zone	Zone X (moderate risk)
APN	`783-23-047`

Property Details

APN / Parcel Number

Primary APN	`783-23-047`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,638 sqft Living Area
1st Floor Area	1,468 sqft
2nd Floor Area	1,170 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	8490 RANCHO REAL
City	GILROY
State	CA
Zip	95020-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5965 SANTA TERESA HILLS BOOK 385 PAGE 41 PAGE 42 LOT 32
Legal Subdivision	SANTA TERESA HILLS
Legal Tract	5965
Legal Lot Number	32
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2011
Census Tract	512516

Owner

8490 Rancho Real is owner-occupied and held in a trust since October 2001.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	Trust Name on File
Mailing Address	8490 RANCHO REAL, GILROY, CA 95020-3750
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Aug 9, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2001 · Amount on File
Deed Sale	Oct 12, 2001 · Amount on File
Prior Sale	Jan 20, 2000 · Amount on File
Deed Document Number	200115907806
Prior Transfer Date	Apr 20, 1994
Prior Transfer Doc	0012495654
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8490 RANCHO REAL, GILROY, CA 95020-3750
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8490 RANCHO REAL, GILROY, CA 95020-3750

Mortgage

Document Number	0025197779
Date	Dec 17, 2021
Instrument	25197779

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 9, 2019
Property Address	8490 RANCHO REAL, GILROY, CA 95020-3750
Document Number	0024250705
Instrument Date	Aug 5, 2019
Instrument	24250705
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8490 RANCHO REAL GILROY CA 950203750, GILROY, CA 95020-3750

Tax Assessment & Valuation

The 2025 property tax bill for 8490 Rancho Real was $10,317 with a homeowner's exemption.

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		$858,875 (+2%) Land $361,629 Building $497,246
2025	$10,317.00 Homeowner's exemption	$842,036 Land $354,539 Building $487,497
2023	$10,093.00 (+1.68%) Homeowner's exemption	$809,341 Land $340,773 Building $468,568
2022	$9,926.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 8490 Rancho Real in Zone X, an area of moderate flood risk.

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

Wildfire risk around 8490 Rancho Real is moderate, ranking above 44% of the US, with a 0.06% annual chance of 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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