993 Arapaho Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 993 Arapaho Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,794 sqft · built 1999
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Tax Bill	$9,185 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-48-051`

Property Details

APN / Parcel Number

Primary APN	`783-48-051`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,794 sqft Living Area
1st Floor Area	833 sqft
2nd Floor Area	961 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	993 ARAPAHO DR
City	GILROY
State	CA
Zip	95020-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8563 BOOK 655 PAGE 39 PAGE 43 LOT 113
Legal Subdivision	TRACT NO 8563
Legal Tract	8563
Legal Lot Number	113
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512515

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	993 ARAPAHO DR, GILROY, CA 95020-8112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit PREMIERONE CU
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Jun 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020
Deed Sale	Jun 30, 2020
Prior Sale	May 10, 2000 · Amount on Record
Deed Document Number	202024522449
Prior Transfer Date	Dec 17, 2019
Prior Transfer Doc	0024522449
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	993 ARAPAHO DR, GILROY, CA 95020-8112
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	993 ARAPAHO DR, GILROY, CA 95020-8112

Mortgage

Document Number	0025396189
Date	Nov 4, 2022
Instrument	25396189

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	993 ARAPAHO DR, GILROY, CA 95020-8112
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	993 ARAPAHO DR, GILROY, CA 95020-8112

Mortgage

Document Number	0025111942
Date	Sep 24, 2021
Instrument	25111942

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 30, 2020
Property Address	993 ARAPAHO DR, GILROY, CA 95020-8112
Document Number	0024522449
Instrument Date	Dec 17, 2019
Instrument	24522449
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	UNISOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	993 ARAPAHO DR GILROY CA 950208112, GILROY, CA 95020-8112

Mortgage

Document Number	24522450
Date	Jun 30, 2020
Instrument	24522450

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

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		$757,089 (+2%) Land $314,139 Building $442,950
2025	$9,185.00 (+2.18%)	$742,245 (+4.04%) Land $307,980 Building $434,265
2023	$8,989.00 (+1.66%)	$713,424 Land $296,022 Building $417,402
2022	$8,842.00

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 · 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	2 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

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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