9026 Spencer Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9026 Spencer Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,051 sqft · built 1994
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$1,115,000 (Mar 2025)
Tax Bill	$10,784 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-18-065`

Property Details

APN / Parcel Number

Primary APN	`790-18-065`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,051 sqft Living Area
1st Floor Area	2,051 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9026 SPENCER CT
City	GILROY
State	CA
Zip	95020-7516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8676 PARK COMMONS BOOK 658 PAGE 44 PAGE 45 LOT 25
Legal Subdivision	PARK COMMONS
Legal Tract	8676
Legal Lot Number	25
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1006
Census Tract	512505

Owner

9026 Spencer Ct is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	9026 SPENCER CT, GILROY, CA 95020-7516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 16, 2019	Correction Deed FIRST AMERICAN TITLE
Jul 29, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on File
Deed Sale	Mar 6, 2025 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	202525774016
Prior Transfer Date	Aug 15, 2019
Prior Transfer Doc	0024257692
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9026 SPENCER CT, GILROY, CA 95020-7516
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9026 SPENCER CT, GILROY, CA 95020-7516

Mortgage

Document Number	0024907813
Date	Apr 6, 2021
Instrument	24907813

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

August 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 16, 2019
Property Address	9026 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024257692
Instrument Date	Aug 15, 2019
Instrument	24257692
Record Updated	Aug 26, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9026 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 29, 2019
Property Address	9026 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024240811
Instrument Date	Jul 15, 2019
Instrument	24240811
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9026 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	24240812
Date	Jul 29, 2019
Instrument	24240812

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9026 Spencer Ct was $10,784.

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		$1,137,300 (+29.18%) Land $454,920 Building $682,380
2025	$10,784.00 Homeowner's exemption	$880,381 Land $484,155 Building $396,226
2023	$10,550.00 (+1.68%) Homeowner's exemption	$846,196 Land $465,355 Building $380,841
2022	$10,376.00

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

Flood

FEMA maps place 9026 Spencer Ct in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1995.

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

Wildfire risk around 9026 Spencer Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	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 714 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: GeoLinks, Verizon.

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