945 Oak Brook Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 945 Oak Brook Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,752 sqft · built 2000
Lot Size	0.12 acres (5,230 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,047 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`808-41-007`

Property Details

APN / Parcel Number

Primary APN	`808-41-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,752 sqft Living Area
1st Floor Area	891 sqft
2nd Floor Area	861 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,230 sqft (0.12 acres)
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	945 OAK BROOK WAY
City	GILROY
State	CA
Zip	95020-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9110 LOT 7
Legal Subdivision	9110 THE VILLAS
Legal Tract	9110
Legal Lot Number	7
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1030
Census Tract	512509

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	945 OAK BROOK WAY, GILROY, CA 95020-3431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 24, 2020	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 2, 2019	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2020
Deed Sale	Mar 24, 2020
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	202024438709
Prior Transfer Date	Mar 6, 2020
Prior Transfer Doc	0024438709
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	945 OAK BROOK WAY, GILROY, CA 95020-3431
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 OAK BROOK WAY, GILROY, CA 95020-3431

Mortgage

Document Number	0025332553
Date	Jul 8, 2022
Instrument	25332553

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	945 OAK BROOK WAY, GILROY, CA 95020-3431
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 OAK BROOK WAY, GILROY, CA 95020-3431

Mortgage

Document Number	0025126569
Date	Oct 8, 2021
Instrument	25126569

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 24, 2020
Property Address	945 OAK BROOK WAY, GILROY, CA 95020-3431
Document Number	0024438709
Map Reference	MB 712 PG 45-50
Instrument Date	Mar 6, 2020
Instrument	24438709
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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
Relationship	Joint Tenants
Address	945 OAK BROOK WAY, GILROY, CA 95020-3431

Mortgage

Document Number	0024438710
Date	Mar 24, 2020
Instrument	24438710

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 2, 2019
Property Address	945 OAK BROOK WAY, GILROY, CA 95020-3431
Document Number	0024146703
Map Reference	MB 712 PG 45-50
Instrument Date	Mar 21, 2019
Instrument	24146703
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	945 OAK BROOK WAY, GILROY, CA 95020-3431

Mortgage

Document Number	0024146704
Date	Apr 2, 2019
Instrument	24146704

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$836,297 (+2%) Land $334,518 Building $501,779
2025	$10,047.00 (+2.23%) Homeowner's exemption	$819,900 (+4.04%) Land $327,959 Building $491,941
2023	$9,828.00 (+1.68%) Homeowner's exemption	$788,065 Land $315,225 Building $472,840
2022	$9,666.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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: GeoLinks, Verizon.

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