851 Willard Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 851 Willard Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,661 sqft · built 1964
Lot Size	0.163 acres (7,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,000 (Jun 2015)
Tax Bill	$5,792 (2025)
Deeds & Mortgages	May 2023 Line of Credit Sep 2017 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`790-20-049`

Property Details

APN / Parcel Number

Primary APN	`790-20-049`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,661 sqft Living Area
1st Floor Area	1,661 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,080 sqft (0.163 acres)
Lot Dimensions	118 ft deep x 60 ft wide
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	851 WILLARD CT
City	GILROY
State	CA
Zip	95020-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3769 WILLARD COURTS BOOK 178 PAGE 53 LOT 16
Legal Subdivision	WILLARD COURTS
Legal Tract	3769
Legal Lot Number	16
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512505

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	851 WILLARD CT, GILROY, CA 95020-4016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Apr 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2015 · Amount on Record
Deed Sale	Jun 30, 2015 · Amount on Record
Prior Sale	Apr 18, 2012 · Amount on Record
Deed Document Number	201523002652
Prior Transfer Date	Jun 23, 2015
Prior Transfer Doc	0023002653
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 WILLARD CT, GILROY, CA 95020-4016

Mortgage

Document Number	0025474188
Date	May 12, 2023
Instrument	25474188

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023759996
Date	Sep 22, 2017
Instrument	23759996

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024154771
Date	Apr 12, 2019
Instrument	24154771

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024304357
Date	Oct 15, 2019
Instrument	24304357

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024476596
Date	May 12, 2020
Instrument	24476596

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	851 WILLARD CT, GILROY, CA 95020-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 WILLARD CT, GILROY, CA 95020-4016

Mortgage

Document Number	0024727923
Date	Nov 30, 2020
Instrument	24727923

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

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

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		$473,045 (+2%) Land $260,176 Building $212,869
2025	$5,792.00 (+2.21%)	$463,771 (+4.04%) Land $255,075 Building $208,696
2023	$5,667.00 (+1.67%)	$445,764 Land $245,171 Building $200,593
2022	$5,574.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1995–2001)
Most Recent Claim	Jan 2001 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	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: AT&T, GeoLinks, Verizon.

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