8975 del Rio Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8975 del Rio Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,140 sqft · built 2000
Lot Size	0.09 acres (3,900 sqft)
Owner	Individual Name on File
Last Sale	$920,000 (May 2023)
Tax Bill	$11,804 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`790-16-157`

Property Details

APN / Parcel Number

Primary APN	`790-16-157`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,140 sqft Living Area
1st Floor Area	1,039 sqft
2nd Floor Area	1,101 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,900 sqft (0.09 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	8975 DEL RIO CIR
City	GILROY
State	CA
Zip	95020-7291
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9184 LOT 27
Legal Subdivision	9184 SANTA FE
Legal Tract	9184
Legal Lot Number	27
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512514

Owner

8975 del Rio Cir is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	8975 DEL RIO CIR, GILROY, CA 95020-7291
Occupancy	Owner Occupied
Owner Type	Individual

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
May 11, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
May 11, 2023	Affidavit of Death of Joint Tenant, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL
May 11, 2023	Grant Deed, Transfer · Stand-Alone Second Mortgage SIERRA PACIFIC MORTGAGE CO INC
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on File
Deed Sale	May 11, 2023 · Amount on File
Prior Sale	Apr 6, 2011 · Amount on File
Deed Document Number	202325473507
Prior Transfer Date	May 4, 2023
Prior Transfer Doc	0025473506
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	May 11, 2023
Property Address	8975 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0025473508
Map Reference	MB 719 PG 18-21
Instrument Date	Apr 27, 2023
Instrument	25473508
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

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
Address	8975 DEL RIO CIR, GILROY, CA 95020-7291

Mortgage

Document Number	0025473509
Date	May 11, 2023
Instrument	25473509

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CLARA CA
Recording Date	May 11, 2023
Property Address	8975 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0025473506
Map Reference	MB 719 PG 18-21
Instrument Date	Apr 18, 2023
Instrument	25473506
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

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
Address	511 COTTONWOOD CRK, MT JULIET, TN 37122-6915

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 11, 2023
Property Address	8975 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0025473507
Map Reference	MB 719 PG 18-21
Instrument Date	Apr 18, 2023
Instrument	25473507
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

Transaction

Amount	Amount on Record
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
Address	8975 DEL RIO CIR, GILROY, CA 95020-7291

Mortgage

Document Number	0025473510
Date	May 11, 2023
Instrument	25473510

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	Jul 8, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8975 DEL RIO CIR, GILROY, CA 95020-7291
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SIMPLIFILE TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8975 DEL RIO CIR, GILROY, CA 95020-7291

Mortgage

Document Number	0024716542
Date	Nov 19, 2020
Instrument	24716542

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	314 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8975 del Rio Cir was $11,804.

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		$976,310 (+2%) Land $390,524 Building $585,786
2025	$11,804.00	$957,167 Land $382,867 Building $574,300
2023	$6,095.00 (+1.67%)	$480,244 Land $168,083 Building $312,161
2022	$5,995.00

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

Flood

FEMA maps place 8975 del Rio Cir in Zone X, an area of moderate flood risk.

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

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

The area around 8975 del Rio Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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