977 Alta Oak Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 977 Alta Oak Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,819 sqft · built 2003
Lot Size	0.164 acres (7,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$945,000 (Aug 2019)
Tax Bill	$12,735 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2019 Line of Credit + 2 more
Flood Zone	Zone D (undetermined)
APN	`808-42-034`

Property Details

APN / Parcel Number

Primary APN	`808-42-034`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,819 sqft Living Area
1st Floor Area	1,320 sqft
2nd Floor Area	1,499 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,134 sqft (0.164 acres)
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	977 ALTA OAK WAY
City	GILROY
State	CA
Zip	95020-3446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 34
Legal Subdivision	9303 VILLAGIO
Legal Tract	9303
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1010
Census Tract	512509

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	977 ALTA OAK WAY, GILROY, CA 95020-3446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 7, 2019	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Aug 14, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 29, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Nov 19, 2010 · Amount on Record
Deed Document Number	201924254638
Prior Transfer Date	Jul 1, 2004
Prior Transfer Doc	0017893298
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	977 ALTA OAK WAY, GILROY, CA 95020-3446
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 ALTA OAK WAY, GILROY, CA 95020-3446

Mortgage

Document Number	0025215851
Date	Jan 11, 2022
Instrument	25215851

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Feb 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	977 ALTA OAK WAY, GILROY, CA 95020-3446
Document Number	0024254640
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1537 VISTA CLUB CIR #105 SANTA CLARA CA 950543764, 105, SANTA CLARA, CA 95054-3764

Mortgage

Document Number	0024254640
Date	Aug 14, 2019
Instrument	24254640

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 14, 2019
Property Address	977 ALTA OAK WAY, GILROY, CA 95020-3446
Document Number	0024254638
Map Reference	MB 739 PG 9-15
Instrument Date	Jul 26, 2019
Instrument	24254638
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	977 ALTA OAK WAY, GILROY, CA 95020-3446

Mortgage

Document Number	0024254639
Date	Aug 14, 2019
Instrument	24254639

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Mortgage

Document Number	0024254640
Date	Aug 14, 2019
Instrument	24254640

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	977 ALTA OAK WAY, GILROY, CA 95020-3446
Document Number	0024038917
Instrument Date	Sep 29, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 ALTA OAK WAY GILROY CA 950203446, GILROY, CA 95020-3446

Mortgage

Document Number	0024038917
Date	Oct 9, 2018
Instrument	24038917

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,054,161 (+6.12%) Land $579,732 Building $474,429
2025	$12,735.00
2023		$993,362 Land $546,296 Building $447,066

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 398 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
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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