960 Summerhill Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 960 Summerhill Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,504 sqft · built 1998
Lot Size	0.077 acres (3,368 sqft)
Owner	Individual Name on Record
Tax Bill	$7,200 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-55-012`

Property Details

APN / Parcel Number

Primary APN	`790-55-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	680 sqft
2nd Floor Area	824 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,368 sqft (0.077 acres)
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	960 SUMMERHILL CIR
City	GILROY
State	CA
Zip	95020-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8940 BOOK 691 PAGE 24 PAGE 25 LOT 12
Legal Subdivision	8940 SUMMERHILL
Legal Tract	8940
Legal Lot Number	12
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3011
Census Tract	512505

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	Individual Name on Record
Mailing Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Mar 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LNDG
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2006
Deed Sale	Mar 30, 2006
Prior Sale	Oct 31, 2002 · Amount on Record
Deed Document Number	200618868482
Prior Transfer Date	Oct 3, 2002
Prior Transfer Doc	0016580584
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209

Mortgage

Document Number	0025525082
Date	Aug 31, 2023
Instrument	25525082

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023600348
Date	Mar 10, 2017
Instrument	23600348

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023789159
Date	Oct 31, 2017
Instrument	23789159

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Document Number	0024486185
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	960 SUMMERHILL CIR GILROY CA 950203209, GILROY, CA 95020-3209

Mortgage

Document Number	0024486185
Date	May 22, 2020
Instrument	24486185

Lender

Name	PACIFIC BAY LNDG
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 21, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	960 SUMMERHILL CIR, GILROY, CA 95020-3209
Document Number	0024288201
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	960 SUMMERHILL CIR GILROY CA 950203209, GILROY, CA 95020-3209

Mortgage

Document Number	0024288201
Date	Sep 24, 2019
Instrument	24288201

Lender

Name	PACIFIC BAY LNDG
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 23, 2039

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		$590,902 (+2%) Land $295,451 Building $295,451
2025	$7,200.00 (+2.19%)	$579,316 (+4.04%) Land $289,658 Building $289,658
2023	$7,046.00 (+1.67%)	$556,822 Land $278,411 Building $278,411
2022	$6,930.00

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

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

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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