9175 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9175 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	0.111 acres (4,850 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (May 2015)
Tax Bill	$7,891 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2019 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-56-017`

Property Details

APN / Parcel Number

Primary APN	`790-56-017`

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	4,850 sqft (0.111 acres)
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	9175 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 17
Legal Subdivision	9112 LOS ARROYOS
Legal Tract	9112
Legal Lot Number	17
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1003
Census Tract	512505

Owner

9175 Kern Ave is owned and occupied by two individuals who bought it in May 2015.

Source: Santa Clara County records, as of July 28, 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	2 Individual Names on File
Mailing Address	9175 KERN AVE, GILROY, CA 95020-7504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 8, 2019	Deed of Trust, Mortgage · Line of Credit SANTA CLARA COUNTY FCU
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2015 · Amount on File
Deed Sale	May 29, 2015 · Amount on File
Prior Sale	Feb 4, 2000 · Amount on File
Deed Document Number	201522969181
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9175 KERN AVE, GILROY, CA 95020-7504
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9175 KERN AVE, GILROY, CA 95020-7504

Mortgage

Document Number	0025224586
Date	Jan 24, 2022
Instrument	25224586

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9175 KERN AVE, GILROY, CA 95020-7504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024173949
Date	May 8, 2019
Instrument	24173949

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95112

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 7, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9175 KERN AVE, GILROY, CA 95020-7504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9175 KERN AVE, GILROY, CA 95020-7504

Mortgage

Document Number	0024596803
Date	Sep 1, 2020
Instrument	24596803

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9175 KERN AVE, GILROY, CA 95020-7504
Document Number	0024374101
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9175 KERN AVE GILROY CA 950207504, GILROY, CA 95020-7504

Mortgage

Document Number	0024374101
Date	Jan 6, 2020
Instrument	24374101

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9175 KERN AVE, GILROY, CA 95020-7504
Document Number	0023935988
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9175 KERN AVE GILROY CA 950207504, GILROY, CA 95020-7504

Mortgage

Document Number	0023935988
Date	May 18, 2018
Instrument	23935988

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9175 Kern Ave was $7,891 with a homeowner's exemption.

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		$655,840 (+2%) Land $262,336 Building $393,504
2025	$7,891.00 Homeowner's exemption	$642,982 Land $257,193 Building $385,789
2023	$7,718.00 (+1.69%) Homeowner's exemption	$618,015 Land $247,206 Building $370,809
2022	$7,590.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 9175 Kern Ave in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1995.

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

Wildfire risk around 9175 Kern Ave is low, with a 0.02% annual chance of 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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