9044 Spencer Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9044 Spencer Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Jan 2019)
Tax Bill	$9,316 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`790-18-068`

Property Details

APN / Parcel Number

Primary APN	`790-18-068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,516 sqft
Family Room	Family Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9044 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 28
Legal Subdivision	PARK COMMONS
Legal Tract	8676
Legal Lot Number	28
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1006
Census Tract	512505

Owner

9044 Spencer Ct is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	9044 SPENCER CT, GILROY, CA 95020-7516
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
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Jan 18, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Apr 27, 2012 · Amount on File
Deed Document Number	201924100244
Last Transfer Date	Oct 19, 2020
Transfer Doc	0024673177
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9044 SPENCER CT, GILROY, CA 95020-7516
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9044 SPENCER CT, GILROY, CA 95020-7516

Mortgage

Document Number	0025169026
Date	Nov 16, 2021
Instrument	25169026

Lender

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

Agreement

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

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 27, 2020
Property Address	9044 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024673177
Map Reference	MB 658 PG 44&45
Instrument Date	Oct 19, 2020
Instrument	24673177
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	9044 SPENCER CT, GILROY, CA 95020-7516

Mortgage

Document Number	0024673178
Date	Oct 27, 2020
Instrument	24673178

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 18, 2019
Property Address	9044 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024100244
Instrument Date	Jan 10, 2019
Instrument	24100244
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9044 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	24100245
Date	Jan 18, 2019
Instrument	24100245

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	Jan 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9044 Spencer Ct was $9,316.

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		$768,030 (+2%) Land $341,347 Building $426,683
2025	$9,316.00	$752,971 Land $334,654 Building $418,317
2023	$9,117.00 (+1.66%)	$723,734 Land $321,660 Building $402,074
2022	$8,968.00

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

Flood

FEMA maps place 9044 Spencer Ct in Zone X, an area of minimal 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 minimal risk
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 9044 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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