9085 Spencer Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9085 Spencer Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,735 sqft · built 1994
Lot Size	0.26 acres (11,325 sqft)
Owner	Company Name on Record
Last Sale	$245,500 (Nov 1994)
Tax Bill	$5,165 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2022 Transfer + 4 more
Flood Zone	Zone X (moderate risk)
APN	`790-18-077`

Property Details

APN / Parcel Number

Primary APN	`790-18-077`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
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	H-Shape
Construction Type	Wood
Lot Area	11,325 sqft (0.26 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9085 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 37
Legal Subdivision	PARK COMMONS
Legal Tract	8676
Legal Lot Number	37
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	Company Name on Record
Mailing Address	9085 SPENCER CT, GILROY, CA 95020-7516
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 12, 2022	Intrafamily Transfer, Transfer
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 16, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 22, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 1994 · Amount on Record
Deed Sale	Nov 30, 1994 · Amount on Record
Deed Document Number	199412735657
Deed Book / Page	684 / 561
Last Transfer Date	Mar 2, 2022
Transfer Doc	0025280759
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9085 SPENCER CT, GILROY, CA 95020-7516

Mortgage

Document Number	0025621062
Date	Apr 10, 2024
Instrument	25621062

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	100 N TRYON ST, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 27, 2054

Interest

Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 12, 2022
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Document Number	0025280759
Map Reference	MB 658 PG 44&45
Instrument Date	Mar 2, 2022
Instrument	25280759
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
Address	9085 SPENCER CT, GILROY, CA 95020-7516

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024483828
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9085 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	0024483828
Date	May 20, 2020
Instrument	24483828

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 19, 2035

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Document Number	0024166308
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9085 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	0024166308
Date	Apr 29, 2019
Instrument	24166308

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Document Number	0023854194
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9085 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	0023854194
Date	Jan 24, 2018
Instrument	23854194

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 22, 2017
Property Address	9085 SPENCER CT, GILROY, CA 95020-7516
Document Number	0023681015
Instrument Date	Jun 14, 2017
Instrument	23681015
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9085 SPENCER CT GILROY CA 950207516, GILROY, CA 95020-7516

Mortgage

Document Number	23681016
Date	Jun 22, 2017
Instrument	23681016

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2032

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		$420,585 (+2%) Land $111,348 Building $309,237
2025	$5,165.00 (+2.2%)	$412,339 (+4.04%) Land $109,165 Building $303,174
2023	$5,054.00 (+3.48%)	$396,329 Land $104,927 Building $291,402
2022	$4,884.00

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	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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