9075 Spencer Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9075 Spencer Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,891 sqft · built 1994
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,080,500 (Dec 2021)
Tax Bill	$13,155 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-18-078`

Property Details

APN / Parcel Number

Primary APN	`790-18-078`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,891 sqft Living Area
1st Floor Area	1,063 sqft
2nd Floor Area	828 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,840 sqft (0.18 acres)
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9075 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 38
Legal Subdivision	PARK COMMONS
Legal Tract	8676
Legal Lot Number	38
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1006
Census Tract	512505

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9075 SPENCER CT, GILROY, CA 95020-7516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU
Jun 21, 2019	Grant Deed, Transfer · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on Record
Deed Sale	Dec 2, 2021 · Amount on Record
Prior Sale	Jun 21, 2019 · Amount on Record
Deed Document Number	202125184185
Prior Transfer Date	Oct 13, 2000
Prior Transfer Doc	0015436239
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 2, 2021
Property Address	9075 SPENCER CT, GILROY, CA 95020-7516
Document Number	0025184185
Map Reference	MB 658 PG 44&45
Instrument Date	Nov 17, 2021
Instrument	25184185
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	9075 SPENCER CT, GILROY, CA 95020-7516
Investor	Possibly a Property Investor

Mortgage

Document Number	0025184186
Date	Dec 2, 2021
Instrument	25184186

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9075 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024460992
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	307 MARTIN DR APTOS CA 950035015, APTOS, CA 95003-5015

Mortgage

Document Number	0024460992
Date	Apr 22, 2020
Instrument	24460992

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 21, 2019
Property Address	9075 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024208428
Instrument Date	Jun 17, 2019
Instrument	24208428
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.00
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	9075 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	24208429
Date	Jun 21, 2019
Instrument	24208429

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2049

Tax Assessment & Valuation

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		$995,000 (-7.44%) Land $397,900 Building $597,100
2025	$13,155.00 (+14.73%) Homeowner's exemption	$1,075,000 (+16.85%) Land $429,900 Building $645,100
2023	$11,466.00 (-15.05%) Homeowner's exemption	$920,000 Land $367,900 Building $552,100
2022	$13,497.00

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

Flood

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

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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