923 Arapaho Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 923 Arapaho Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,127 sqft · built 1997
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$188,500 (Mar 2015)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-48-092`

Property Details

APN / Parcel Number

Primary APN	`783-48-092`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
1st Floor Area	1,127 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	923 ARAPAHO DR
City	GILROY
State	CA
Zip	95020-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8850 BOOK 680 PAGE 13 PAGE 14 LOT 12
Legal Subdivision	TRACT NO 8850
Legal Tract	8850
Legal Lot Number	12
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512515

Owner

923 Arapaho Dr is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	923 ARAPAHO DR, GILROY, CA 95020-8112
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 6, 2021	Intrafamily Transfer, Transfer
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2015 · Amount on File
Deed Sale	Mar 11, 2015 · Amount on File
Prior Sale	Jan 22, 2002 · Amount on File
Deed Document Number	201522880381
Last Transfer Date	Mar 31, 2021
Transfer Doc	0024951840
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	923 ARAPAHO DR, GILROY, CA 95020-8112
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 ARAPAHO DR, GILROY, CA 95020-8112

Mortgage

Document Number	0025578518
Date	Dec 22, 2023
Instrument	25578518

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2044

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	May 6, 2021
Property Address	923 ARAPAHO DR, GILROY, CA 95020-8112
Document Number	0024951840
Map Reference	MB 680 PG 13&14
Instrument Date	Mar 31, 2021
Instrument	24951840
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	923 ARAPAHO DR, GILROY, CA 95020-8112

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	923 ARAPAHO DR, GILROY, CA 95020-8112
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 ARAPAHO DR, GILROY, CA 95020-8112

Mortgage

Document Number	0024850408
Date	Feb 26, 2021
Instrument	24850408

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 923 Arapaho Dr was $2,961 with a veteran'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		$414,359 (+2%) Land $188,344 Building $226,015
2025	$2,961.00 Disabled Person's exemption Veteran's exemption	$406,235 Land $184,651 Building $221,584
2023	$2,567.00 (-15.5%) Disabled Person's exemption Veteran's exemption	$390,463 Land $177,482 Building $212,981
2022	$3,038.00

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

Flood

FEMA maps place 923 Arapaho Dr in Zone X, an area of moderate flood risk.

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	2 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

Wildfire risk around 923 Arapaho Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 659 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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