9496 Rancho Hills Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9496 Rancho Hills Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,639 sqft · built 1997
Lot Size	0.141 acres (6,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$771,000 (Feb 2017)
Tax Bill	$10,959 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-56-003`

Property Details

APN / Parcel Number

Primary APN	`783-56-003`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,639 sqft Living Area
1st Floor Area	1,341 sqft
2nd Floor Area	1,298 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	6,147 sqft (0.141 acres)
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	9496 RANCHO HILLS DR
City	GILROY
State	CA
Zip	95020-7726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8871 BOOK 681 PAGE 20 PAGE 22 LOT 3
Legal Subdivision	TRACT NO 8871
Legal Tract	8871
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1008
Census Tract	512515

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	9496 RANCHO HILLS DR, GILROY, CA 95020-7726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 28, 2018	Deed of Trust, Mortgage · Commercial Mortgage UMPQUA BANK
Feb 3, 2017	Grant Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2017 · Amount on Record
Deed Sale	Feb 3, 2017 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	201723575100
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9496 RANCHO HILLS DR, GILROY, CA 95020-7726
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9496 RANCHO HILLS DR, GILROY, CA 95020-7726

Mortgage

Document Number	0024986841
Date	Jun 7, 2021
Instrument	24986841

Lender

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

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9496 RANCHO HILLS DR, GILROY, CA 95020-7726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023966013
Date	Jun 28, 2018
Instrument	23966013

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 3, 2017
Property Address	9496 RANCHO HILLS DR, GILROY, CA 95020-7726
Document Number	0023575100
Map Reference	MAP681 PG20-22
Instrument Date	Jan 30, 2017
Instrument	23575100
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	9496 RANCHO HILLS DR, GILROY, CA 95020-7726

Mortgage

Document Number	0023575101
Date	Feb 3, 2017
Instrument	23575101

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 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		$912,700 (+2%) Land $365,080 Building $547,620
2025	$10,959.00 (+2.21%) Homeowner's exemption	$894,805 (+4.04%) Land $357,922 Building $536,883
2023	$10,722.00 (+1.68%) Homeowner's exemption	$860,060 Land $344,024 Building $516,036
2022	$10,545.00

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	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

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

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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 685 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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