870 Willard Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 870 Willard Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1964
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$552,000 (Jun 2015)
Tax Bill	$8,225 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit May 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-20-056`

Property Details

APN / Parcel Number

Primary APN	`790-20-056`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	870 WILLARD CT
City	GILROY
State	CA
Zip	95020-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3769 WILLARD COURTS BOOK 178 PAGE 53 LOT 9
Legal Subdivision	WILLARD COURTS
Legal Tract	3769
Legal Lot Number	9
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	870 WILLARD CT, GILROY, CA 95020-4017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit CANVAS CU
May 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
May 24, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Feb 7, 2018	Deed of Trust, Mortgage · FHA Mortgage MASON MCDUFFIE MORTGAGE CORP
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

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	Jan 14, 2005 · Amount on Record
Deed Document Number	201523003221
Prior Transfer Date	Mar 9, 2006
Prior Transfer Doc	0018844196
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	870 WILLARD CT, GILROY, CA 95020-4017
Transaction Type	Mortgage
Record Updated	Nov 2, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 WILLARD CT, GILROY, CA 95020-4017

Mortgage

Document Number	0025548614
Date	Oct 24, 2023
Instrument	25548614

Lender

Name	CANVAS CU
Type	Credit Union
Address	LONE TREE, CO 80124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	870 WILLARD CT, GILROY, CA 95020-4017
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024187999
Date	May 24, 2019
Instrument	24187999

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	870 WILLARD CT, GILROY, CA 95020-4017
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024187998
Date	May 24, 2019
Instrument	24187998

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	870 WILLARD CT, GILROY, CA 95020-4017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023863695
Date	Feb 7, 2018
Instrument	23863695

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	870 WILLARD CT, GILROY, CA 95020-4017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 WILLARD CT, GILROY, CA 95020-4017

Mortgage

Document Number	0024780402
Date	Jan 8, 2021
Instrument	24780402

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

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		$676,677 (+2%) Land $372,172 Building $304,505
2025	$8,225.00 (+2.19%)	$663,410 (+4.04%) Land $364,875 Building $298,535
2023	$8,049.00 (+1.67%)	$637,651 Land $350,707 Building $286,944
2022	$7,917.00

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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