9732 Zuni Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 9732 Zuni Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,018 sqft · built 2012
Lot Size	0.173 acres (7,541 sqft)
Owner	Individual Name on File
Last Sale	$1,400,000 (Aug 2026)
Tax Bill	$16,256 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-74-087`

Property Details

APN / Parcel Number

Primary APN	`783-74-087`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,018 sqft Living Area
1st Floor Area	1,613 sqft
2nd Floor Area	1,405 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,541 sqft (0.173 acres)
Garage Area	427 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	9732 ZUNI LN
City	GILROY
State	CA
Zip	95020-9360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9966 LOT 105
Legal Subdivision	9966 DEER PARK PH III
Legal Tract	9966
Legal Lot Number	105
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	3
Census Block	3010
Census Tract	512515

Owner

9732 Zuni Ln is owned by an individual who bought it in August 2026.

Source: Santa Clara County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	180 E 6TH ST, GILROY, CA 95020-6902
Owner Type	Individual
Vesting	Single Woman

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
Aug 17, 2026	Grant Deed, Transfer · Conventional Mortgage BAY FEDERAL CREDIT UNION
Aug 10, 2021	Grant Deed, Transfer · VA Mortgage NAVY FCU
Apr 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Aug 10, 2021 · Amount on File
Deed Document Number	202626038557
Prior Transfer Date	Aug 22, 2016
Prior Transfer Doc	0023415480
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 17, 2026
Property Address	9732 ZUNI LN, GILROY, CA 95020-9360
Document Number	0026038557
Instrument Date	Aug 7, 2026
Instrument	202626038557
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE AND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 E 6TH ST, GILROY, CA 95020-6902

Mortgage

Document Number	0000038558,
Date	Aug 17, 2026
Instrument	202638558

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 10, 2021
Property Address	9732 ZUNI LN, GILROY, CA 95020-9360
Document Number	0025060961
Map Reference	MB 838 PG 44-52
Instrument Date	Aug 6, 2021
Instrument	25060961
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CORNERSTONE TITLE COMPANY

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9732 ZUNI LN, GILROY, CA 95020-9360

Mortgage

Document Number	0025060962
Date	Aug 10, 2021
Instrument	25060962

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	9732 ZUNI LN, GILROY, CA 95020-9360
Document Number	0024162810
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 6, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	9732 ZUNI LN GILROY CA 950209360, GILROY, CA 95020-9360

Mortgage

Document Number	0024162810
Date	Apr 24, 2019
Instrument	24162810

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9732 Zuni Ln was $16,256.

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		$1,331,389 (+2%) Land $532,555 Building $798,834
2025	$16,256.00	$1,305,284 Land $522,113 Building $783,171
2023	$15,898.00 (+1.68%)	$1,254,600 Land $501,840 Building $752,760
2022	$15,635.00

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

Flood

FEMA maps place 9732 Zuni Ln in Zone X, an area of moderate flood risk.

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	1 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

Wildfire risk around 9732 Zuni Ln 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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.05% 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 446 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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