Santa Clara County property record for 9078 Spencer Ct, Gilroy, CA 95020
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,891 sqft · built 1994 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $229,500 (Feb 1995) |
| Tax Bill | $4,753 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 790-18-072 |
| Primary APN | 790-18-072 |
|---|
| 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 |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | H-Shape |
| Construction Type | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Heating System | HVAC |
|---|
| Street Address | 9078 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 32 |
| Legal Subdivision | PARK COMMONS |
| Legal Tract | 8676 |
| Legal Lot Number | 32 |
| Jurisdiction | SANTA CLARA CA |
| Township / Civil Division | SOUTH SANTA CLARA VALLEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 512505 |
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 | 9078 SPENCER CT, GILROY, CA 95020-7516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 1995 · Amount on Record |
| Deed Sale | Feb 28, 1995 · Amount on Record |
| Deed Document Number | 199512817225 |
| Deed Book / Page | 772 / 1331 |
| Last Transfer Date | Sep 26, 1996 |
| Transfer Doc | 0013462360 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CLARA CA |
| Property Address | 9078 SPENCER CT, GILROY, CA 95020-7516 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0023558854 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 23558854 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jan 7, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Clara County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Clara County |
| Municipality | Gilroy City |
| Unified School District | Gilroy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $393,170 (+2%) Land $111,348 Building $281,822 | |
| 2025 | $4,753.00 (+2.28%) Homeowner's exemption | $385,462 (+4.04%) Land $109,165 Building $276,297 |
| 2023 | $4,647.00 (+1.73%) Homeowner's exemption | $370,496 Land $104,927 Building $265,569 |
| 2022 | $4,568.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures