965 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 965 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1975
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$482,000 (Dec 2013)
Tax Bill	$7,341 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`808-28-003`

Property Details

APN / Parcel Number

Primary APN	`808-28-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	1,839 sqft
1st Floor Area	1,839 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	105 ft deep x 66 ft wide
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	965 ORTEGA CIR
City	GILROY
State	CA
Zip	95020-5313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5616 LOT 179
Legal Subdivision	5616 CASTLEWOOD PARK UN #8
Legal Tract	5616
Legal Lot Number	179
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3008
Census Tract	512510

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	1074 CLARK WAY, GILROY, CA 95020-5413
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 31, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Prior Sale	Mar 27, 2009 · Amount on Record
Deed Document Number	201322481996
Prior Transfer Date	Dec 16, 2013
Prior Transfer Doc	0022481997
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	965 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0025203355
Date	Dec 23, 2021
Instrument	25203355

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	965 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0024949355
Date	May 5, 2021
Instrument	24949355

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	965 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023742844
Date	Aug 31, 2017
Instrument	23742844

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$602,671 (+2%) Land $331,471 Building $271,200
2025	$7,341.00 (+2.2%)	$590,855 (+4.04%) Land $324,972 Building $265,883
2023	$7,183.00 (+1.67%)	$567,912 Land $312,353 Building $255,559
2022	$7,065.00

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	Not rated no burnable land 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 630 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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, T-Mobile, Verizon.

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