9400 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9400 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1971
Lot Size	0.976 acres (42,497 sqft)
Owner	2 Individual Names on File
Last Sale	$1,110,000 (Sep 2022)
Tax Bill	$14,095 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-10-005`

Property Details

APN / Parcel Number

Primary APN	`790-10-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	938 sqft
1st Floor Area	938 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	42,497 sqft (0.976 acres)
Lot Dimensions	467 ft deep x 91 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	9400 KERN AVE
City	GILROY
State	CA
Zip	95020-7617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	LOT 2
Legal Subdivision	JAS A CLAYTON & COS
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3024
Census Tract	512505

Owner

9400 Kern Ave is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 91, GILROY, CA 95021-0091
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
Sep 9, 2022	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 1, 2018	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Deed Document Number	202225370396
Prior Transfer Date	Jul 2, 2018
Prior Transfer Doc	0023994504
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 9, 2022
Property Address	9400 KERN AVE, GILROY, CA 95020-7617
Document Number	0025370396
Map Reference	MB V PG 1
Instrument Date	Sep 2, 2022
Instrument	25370396
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9400 KERN AVE, GILROY, CA 95020-7617

Mortgage

Document Number	0025370397
Date	Sep 9, 2022
Instrument	25370397

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 1, 2018
Property Address	9400 KERN AVE, GILROY, CA 95020-7617
Document Number	0023994504
Instrument Date	Jul 2, 2018
Instrument	23994504
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9400 KERN AVE GILROY CA 950207617, GILROY, CA 95020-7617

Mortgage

Document Number	23994505
Date	Aug 1, 2018
Instrument	23994505

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NV 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9400 Kern Ave was $14,095.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,176,823 (+2%) Land $953,970 Building $222,853
2025	$14,095.00	$1,153,749 Land $935,265 Building $218,484
2023	$13,769.00 (+464.77%)	$1,108,949 Land $898,949 Building $210,000
2022	$2,438.00

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

Flood

FEMA maps place 9400 Kern Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 9400 Kern Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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, South Valley Internet, Verizon.

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