975 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 975 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,570 sqft · built 1975
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2009)
Tax Bill	$5,954 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`808-28-004`

Property Details

APN / Parcel Number

Primary APN	`808-28-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
1st Floor Area	1,570 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	Block
Construction Type	Wood
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	105 ft deep x 66 ft wide
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	975 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 180
Legal Subdivision	5616 CASTLEWOOD PARK UN 8
Legal Tract	5616
Legal Lot Number	180
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	975 ORTEGA CIR, GILROY, CA 95020-5313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 13, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2009 · Amount on Record
Deed Sale	Dec 29, 2009 · Amount on Record
Prior Sale	Nov 5, 2009 · Amount on Record
Deed Document Number	200920559681
Last Transfer Date	Feb 7, 2018
Transfer Doc	0023866757
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	975 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024476606
Date	May 12, 2020
Instrument	24476606

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 13, 2018
Property Address	975 ORTEGA CIR, GILROY, CA 95020-5313
Document Number	0023866757
Map Reference	MB356 PG22&23
Instrument Date	Feb 7, 2018
Instrument	23866757
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	975 ORTEGA CIR, GILROY, CA 95020-5313

Mortgage

Document Number	0023866758
Date	Feb 13, 2018
Instrument	23866758

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Change Frequency	3 Years

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		$493,724 (+2%) Land $271,483 Building $222,241
2025	$5,954.00 (+2.25%) Homeowner's exemption	$484,044 (+4.04%) Land $266,160 Building $217,884
2023	$5,823.00 (+1.71%) Homeowner's exemption	$465,250 Land $255,826 Building $209,424
2022	$5,725.00

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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