9145 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9145 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,584 sqft · built 1999
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2000)
Tax Bill	$5,400 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`790-56-020`

Property Details

APN / Parcel Number

Primary APN	`790-56-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	758 sqft
2nd Floor Area	826 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,800 sqft (0.11 acres)
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9145 KERN AVE
City	GILROY
State	CA
Zip	95020-7504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9112 LOT 20
Legal Subdivision	9112 LOS ARROYOS
Legal Tract	9112
Legal Lot Number	20
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1003
Census Tract	512505

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	9145 KERN AVE, GILROY, CA 95020-7504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2000 · Amount on Record
Deed Sale	Jan 20, 2000 · Amount on Record
Deed Document Number	200015127607
Last Transfer Date	Jul 25, 2014
Transfer Doc	0022669910
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9145 KERN AVE, GILROY, CA 95020-7504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9145 KERN AVE, GILROY, CA 95020-7504

Mortgage

Document Number	0024696576
Date	Nov 10, 2020
Instrument	24696576

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9145 KERN AVE, GILROY, CA 95020-7504
Document Number	0024482979
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9145 KERN AVE GILROY CA 950207504, GILROY, CA 95020-7504

Mortgage

Document Number	0024482979
Date	May 19, 2020
Instrument	24482979

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9145 KERN AVE, GILROY, CA 95020-7504
Document Number	0024271923
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9145 KERN AVE GILROY CA 950207504, GILROY, CA 95020-7504

Mortgage

Document Number	0024271923
Date	Sep 4, 2019
Instrument	24271923

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9145 KERN AVE, GILROY, CA 95020-7504
Document Number	0023623768
Instrument Date	Apr 6, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9145 KERN AVE GILROY CA 950207504, GILROY, CA 95020-7504

Mortgage

Document Number	0023623768
Date	Apr 13, 2017
Instrument	23623768

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

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		$440,231 (+2%) Land $203,791 Building $236,440
2025	$5,400.00 (+2.2%)	$431,600 (+4.04%) Land $199,796 Building $231,804
2023	$5,284.00 (+1.67%)	$414,842 Land $192,039 Building $222,803
2022	$5,197.00

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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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