9045 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9045 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,896 sqft · built 1977
Lot Size	1.45 acres (63,165 sqft)
Owner	2 Trust Names on File
Last Sale	$2,150,000 (Sep 2022)
Tax Bill	$27,404 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`790-04-080`

Property Details

APN / Parcel Number

Primary APN	`790-04-080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,896 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	1,416 sqft
Family Room	Family Room

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	63,165 sqft
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9045 KERN AVE
City	GILROY
State	CA
Zip	95020-7502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A120
Legal Subdivision	LAS ANIMAS RANCH
Legal Lot Number	30
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1002
Census Tract	512505

Owner

9045 Kern Ave is held in a trust since September 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	12454 DE SANKA AVE, SARATOGA, CA 95070-3137
Owner Type	Company
Vesting	Trust

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
Sep 27, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Sep 27, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST
Aug 15, 2022	Gift Deed, Transfer
Feb 10, 2021	Gift Deed, Transfer
Feb 10, 2021	Intrafamily Transfer, Transfer
Jan 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Dec 10, 2004 · Amount on File
Deed Document Number	202225377945
Prior Transfer Date	Jan 29, 2021
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 27, 2022
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0025377944
Instrument Date	Sep 7, 2022
Instrument	25377944
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	OLD REPUBLIC TITLE, 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	475 WILLOW SPRINGS RD, MORGAN HILL, CA 95037-9234

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 27, 2022
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0025377945
Map Reference	MAP 7
Instrument Date	Sep 7, 2022
Instrument	25377945
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC 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
Address	12454 DE SANKA AVE, SARATOGA, CA 95070-3137

Mortgage

Document Number	0025377946
Date	Sep 27, 2022
Instrument	25377946

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	9.62%

August 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 15, 2022
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0025358451
Instrument Date	Aug 5, 2022
Instrument	25358451
Transaction Type	Transfer
Record Updated	Aug 22, 2022

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	1556 FISHER AVE, MORGAN HILL, CA 95037-9535

February 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 10, 2021
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0024826246
Instrument Date	Jan 29, 2021
Instrument	24826246
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	475 WILLOW SPRINGS RD, MORGAN HILL, CA 95037-9234

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 10, 2021
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0024826247
Instrument Date	Jan 29, 2021
Instrument	24826247
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	475 WILLOW SPRINGS RD, MORGAN HILL, CA 95037-9234

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 3, 2019
Property Address	9045 KERN AVE, GILROY, CA 95020-7502
Document Number	0024091449
Instrument Date	Dec 13, 2018
Instrument	24091449
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	475 WILLOW SPRINGS RD MORGAN HILL CA 950379234, MORGAN HILL, CA 95037-9234

Tax Assessment & Valuation

The 2025 property tax bill for 9045 Kern Ave was $27,404.

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		$2,281,596 (+2%) Land $2,228,536 Building $53,060
2025	$27,404.00	$2,236,860 Land $2,184,840 Building $52,020
2023	$26,820.00 (+62.61%)	$2,150,000 Land $2,100,000 Building $50,000
2022	$16,493.00

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

Flood

FEMA maps place 9045 Kern Ave 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

The area around 9045 Kern Ave 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 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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