8780 Garbini St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8780 Garbini St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,634 sqft · built 1996
Lot Size	0.076 acres (3,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Dec 2023)
Tax Bill	$11,203 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2023 Transfer + 5 more
Flood Zone	Zone X (moderate risk)
APN	`790-01-084`

Property Details

APN / Parcel Number

Primary APN	`790-01-084`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
1st Floor Area	759 sqft
2nd Floor Area	875 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,325 sqft (0.076 acres)
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	8780 GARBINI ST
City	GILROY
State	CA
Zip	95020-7253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8808 AMENDED MAP OF TR NO 8760 PARK COMMONS BOOK 673 PAGE 30 PAGE 31 LOT 38
Legal Subdivision	MAP OF TR 8760 PARK COMMONS AM
Legal Tract	8808
Legal Lot Number	38
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2001
Census Tract	512514

Owner

Source: Santa Clara County records, as of December 22, 2025

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	8780 GARBINI ST, GILROY, CA 95020-7253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2023	Intrafamily Transfer, Transfer
Dec 20, 2023	Intrafamily Transfer, Transfer
Dec 15, 2023	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA
Jul 24, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Dec 31, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Jun 21, 2017	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Jun 21, 2017 · Amount on Record
Deed Document Number	202325575744
Prior Transfer Date	Dec 21, 2018
Prior Transfer Doc	0024089740
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8780 GARBINI ST, GILROY, CA 95020-7253

Mortgage

Document Number	0025134564
Date	Oct 15, 2021
Instrument	25134564

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 20, 2023
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0025577768
Map Reference	MB 673 PG 30&31
Instrument Date	Dec 19, 2023
Instrument	25577768
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8780 GARBINI ST, GILROY, CA 95020-7253

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 20, 2023
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0025577768
Map Reference	MB 673 PG 30&31
Instrument Date	Dec 19, 2023
Instrument	25577768
Transaction Type	Transfer
Record Updated	Jan 11, 2024

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
Relationship	Joint Tenants
Address	8780 GARBINI ST, GILROY, CA 95020-7253

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 15, 2023
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0025575744
Map Reference	MB 673 PG 30&31
Instrument Date	Dec 12, 2023
Instrument	25575744
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	575 BAUMAN CT, MORGAN HILL, CA 95037-9366

Mortgage

Document Number	0025575745
Date	Dec 15, 2023
Instrument	25575745

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Max Rate	12.3%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0024241445
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8780 GARBINI ST GILROY CA 950207253, GILROY, CA 95020-7253

Mortgage

Document Number	0024241445
Date	Jul 30, 2019
Instrument	24241445

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 31, 2018
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0024089740
Map Reference	MB 673 PG 30&31
Instrument Date	Dec 21, 2018
Instrument	24089740
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8780 GARBINI ST, GILROY, CA 95020-7253

Mortgage

Document Number	0024089741
Date	Dec 31, 2018
Instrument	24089741

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

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

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 21, 2017
Property Address	8780 GARBINI ST, GILROY, CA 95020-7253
Document Number	0023678928
Map Reference	MAP673 PG30&31
Instrument Date	Jun 6, 2017
Instrument	23678928
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8780 GARBINI ST, GILROY, CA 95020-7253

Mortgage

Document Number	0023678929
Date	Jun 21, 2017
Instrument	23678929

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 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	$11,203.00 (+1.6%)	$907,800 (+28.66%) Land $363,120 Building $544,680
2024	$11,027.00 (+24.02%)
2023	$8,891.00 (+1.66%)	$705,560 Land $352,780 Building $352,780
2022	$8,746.00

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 621 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Frontier, GeoLinks, Verizon.

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