9082 Spencer Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9082 Spencer Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,735 sqft · built 1994
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$920,000 (Aug 2025)
Tax Bill	$11,688 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-18-073`

Property Details

APN / Parcel Number

Primary APN	`790-18-073`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,735 sqft Living Area
1st Floor Area	916 sqft
2nd Floor Area	819 sqft
Family Room	Family Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Other
Construction Type	Wood
Lot Area	5,227 sqft (0.119 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9082 SPENCER CT
City	GILROY
State	CA
Zip	95020-7516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 8676 LOT 33
Legal Subdivision	PARK COMMONS
Legal Tract	8676
Legal Lot Number	33
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 October 20, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	743 BONITA PL, SAN JOSE, CA 95116-3384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 4, 2023	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 30, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Apr 4, 2023 · Amount on Record
Deed Document Number	25862296
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9082 SPENCER CT, GILROY, CA 95020-7516
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9082 SPENCER CT, GILROY, CA 95020-7516
Investor	Possibly a Property Investor

Mortgage

Document Number	0025945057
Date	Feb 18, 2026
Instrument	25945057

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR # 100, IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 4, 2023
Property Address	9082 SPENCER CT, GILROY, CA 95020-7516
Document Number	0025457180
Map Reference	MB 658 PG 44&45
Instrument Date	Mar 30, 2023
Instrument	25457180
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

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	9082 SPENCER CT, GILROY, CA 95020-7516

Mortgage

Document Number	0025457181
Date	Apr 4, 2023
Instrument	25457181

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 30, 2017
Property Address	9082 SPENCER CT, GILROY, CA 95020-7516
Document Number	0023613328
Instrument Date	Mar 27, 2017
Instrument	23613328
Transaction Type	Transfer
Record Updated	Apr 7, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$715.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8700 SATTERLEE LN GILROY CA 950209047, GILROY, CA 95020-9047

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 2025

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
2025	$11,688.00 (+27.98%) Homeowner's exemption	$954,566 (+31.65%) Land $381,826 Building $572,740
2023	$9,133.00 (+1.66%)	$725,083 Land $398,796 Building $326,287
2022	$8,984.00

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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