8981 del Rio Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8981 del Rio Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,294 sqft · built 2000
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,075,000 (Aug 2023)
Tax Bill	$13,417 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-16-158`

Property Details

APN / Parcel Number

Primary APN	`790-16-158`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,294 sqft Living Area
1st Floor Area	1,115 sqft
2nd Floor Area	1,179 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	4,500 sqft (0.103 acres)
Garage Area	439 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	8981 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 28
Legal Subdivision	9184 SANTA FE
Legal Tract	9184
Legal Lot Number	28
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512514

Owner

8981 del Rio Cir is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 31, 2023	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 17, 2018	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	May 17, 2018 · Amount on File
Deed Document Number	202325524890
Prior Transfer Date	Jan 16, 2008
Prior Transfer Doc	0019725472
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 31, 2023
Property Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0025524890
Map Reference	MB 719 PG 18-21
Instrument Date	Aug 22, 2023
Instrument	25524890
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	CHICAGO TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	8981 DEL RIO CIR, GILROY, CA 95020-7291

Mortgage

Document Number	0025524891
Date	Aug 31, 2023
Instrument	25524891

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Max Rate	11.7%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 STUBBINS WAY, SAN JOSE, CA 95132-2339

Mortgage

Document Number	0025079533
Date	Aug 26, 2021
Instrument	25079533

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92160

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0024431147
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1475 STUBBINS WAY SAN JOSE CA 951322339, SAN JOSE, CA 95132-2339

Mortgage

Document Number	0024431147
Date	Mar 17, 2020
Instrument	24431147

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 16, 2040

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0024202760
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1475 STUBBINS WAY SAN JOSE CA 951322339, SAN JOSE, CA 95132-2339

Mortgage

Document Number	0024202760
Date	Jun 13, 2019
Instrument	24202760

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 17, 2018
Property Address	8981 DEL RIO CIR, GILROY, CA 95020-7291
Document Number	0023934807
Map Reference	MB719 PG18-21
Instrument Date	May 14, 2018
Instrument	23934807
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1475 STUBBINS WAY, SAN JOSE, CA 95132-2339

Mortgage

Document Number	0023934808
Date	May 17, 2018
Instrument	23934808

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8981 del Rio Cir was $13,417 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		$1,065,000 (-2.87%) Land $426,000 Building $639,000
2025	$13,417.00 Homeowner's exemption	$1,096,500 Land $438,600 Building $657,900
2023	$11,168.00 (+1.66%)	$889,008 Land $328,093 Building $560,915
2022	$10,986.00

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

Flood

FEMA maps place 8981 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 8981 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.

Nearby Properties on del Rio Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures