1732 Carriage Dr, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1732 Carriage Dr, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 1996
Lot Size	0.207 acres (9,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,500 (Oct 1996)
Tax Bill	$6,273 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-38-042`

Property Details

APN / Parcel Number

Primary APN	`783-38-042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,798 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,031 sqft (0.207 acres)
Garage Area	439 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1732 CARRIAGE DR
City	GILROY
State	CA
Zip	95020-7947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8711 LOT 19
Legal Subdivision	CARRIAGE HILLS
Legal Tract	8711
Legal Lot Number	19
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2025
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	2 Individual Names on Record
Mailing Address	1732 CARRIAGE DR, GILROY, CA 95020-7947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 1996 · Amount on Record
Deed Sale	Oct 11, 1996 · Amount on Record
Deed Document Number	199613482329
Last Transfer Date	Jul 23, 2004
Transfer Doc	0017933062
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1732 CARRIAGE DR, GILROY, CA 95020-7947
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024220875
Date	Jul 9, 2019
Instrument	24220875

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1732 CARRIAGE DR, GILROY, CA 95020-7947
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024441429
Date	Mar 27, 2020
Instrument	24441429

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1732 CARRIAGE DR, GILROY, CA 95020-7947
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1732 CARRIAGE DR, GILROY, CA 95020-7947

Mortgage

Document Number	0024737376
Date	Dec 7, 2020
Instrument	24737376

Lender

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

Agreement

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

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		$520,394 (+2%) Land $207,647 Building $312,747
2025	$6,273.00 (+2.27%) Homeowner's exemption	$510,191 (+4.04%) Land $203,576 Building $306,615
2023	$6,134.00 (+1.69%) Homeowner's exemption	$490,381 Land $195,672 Building $294,709
2022	$6,032.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% 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 203 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: Verizon.

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