995 Ortega Cir, Gilroy, CA 95020 Property Records

Santa Clara County property record for 995 Ortega Cir, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1975
Lot Size	0.159 acres (6,930 sqft)
Owner	Individual Name on Record
Last Sale	$510,000 (Jul 2013)
Tax Bill	$923 (2025)
Deeds & Mortgages	May 2017 Reverse Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`808-28-006`

Property Details

APN / Parcel Number

Primary APN	`808-28-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
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

Location & Zoning

Street Address	995 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 182
Legal Subdivision	CASTLEWOOD PARK
Legal Tract	5616
Legal Lot Number	182
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	995 ORTEGA CIR, GILROY, CA 95020-5313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2017	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN PACIFIC MORTGAGE
Apr 28, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2013 · Amount on Record
Deed Sale	Jul 22, 2013 · Amount on Record
Prior Sale	Sep 23, 2004 · Amount on Record
Deed Document Number	201322315801
Prior Transfer Date	Jan 19, 1994
Prior Transfer Doc	0012336033
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	995 ORTEGA CIR, GILROY, CA 95020-5313
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023639573
Date	May 3, 2017
Instrument	23639573

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.24%
Type Change Date	May 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	995 ORTEGA CIR, GILROY, CA 95020-5313
Document Number	0023639574
Instrument Date	Apr 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 ORTEGA CIR GILROY CA 950205313, GILROY, CA 95020-5313

Mortgage

Document Number	0023639574
Date	May 3, 2017
Instrument	23639574

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.24%

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		$65,499 (+2%) Land $27,484 Building $38,015
2025	$923.00 (+2.33%)	$64,216 (+4.04%) Land $26,946 Building $37,270
2023	$902.00 (+1.92%)	$61,724 Land $25,900 Building $35,824
2022	$885.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

Nearby Properties on Ortega Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures