9095 Ridgeway Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9095 Ridgeway Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,974 sqft · built 1988
Lot Size	0.253 acres (11,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Jun 2020)
Tax Bill	$12,002 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`783-44-035`

Property Details

APN / Parcel Number

Primary APN	`783-44-035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
1st Floor Area	1,106 sqft
2nd Floor Area	868 sqft
Family Room	Family Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	11,000 sqft (0.253 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9095 RIDGEWAY DR
City	GILROY
State	CA
Zip	95020-7717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT 3
Legal Subdivision	CARRIAGE HILLS 03
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1022
Census Tract	512516

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	7057 SANTA TERESA BLVD, SAN JOSE, CA 95139-1534
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 25, 2020	Grant Deed, Transfer · Conventional Mortgage ONE AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Prior Sale	Aug 30, 2013 · Amount on Record
Deed Document Number	202024517478
Prior Transfer Date	Feb 14, 2014
Prior Transfer Doc	0022523801
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 20, 2026
Property Address	9095 RIDGEWAY DR, GILROY, CA 95020-7717
Document Number	0026019589
Instrument Date	Jul 11, 2026
Instrument	202626019589
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9095 RIDGEWAY DR, GILROY, CA 95020-7717

Mortgage

Document Number	0026019589,
Date	Jul 20, 2026
Instrument	202626019589

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2056

Interest

Rate	6.52%
Max Rate	-1%

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 25, 2020
Property Address	9095 RIDGEWAY DR, GILROY, CA 95020-7717
Document Number	0024517478
Map Reference	MB 585 PG 49&50
Instrument Date	Jun 16, 2020
Instrument	24517478
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	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	Joint Tenants
Address	7057 SANTA TERESA BLVD, SAN JOSE, CA 95139-1534

Mortgage

Document Number	0024517479
Date	Jun 25, 2020
Instrument	24517479

Lender

Name	ONE AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$992,807 (+2%) Land $397,122 Building $595,685
2025	$12,002.00 (+2.19%)	$973,341 (+4.04%) Land $389,336 Building $584,005
2023	$11,745.00 (+1.65%)	$935,546 Land $374,218 Building $561,328
2022	$11,554.00

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

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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect 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 685 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Frontier, GeoLinks, Verizon.

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