231 Chappell Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 231 Chappell Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,360 sqft · built 1997
Lot Size	0.076 acres (3,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Sep 2019)
Tax Bill	$8,785 (2025)
Deeds & Mortgages	Oct 2020 Loan Modification Sep 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-16-115`

Property Details

APN / Parcel Number

Primary APN	`790-16-115`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
1st Floor Area	627 sqft
2nd Floor Area	733 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	3,300 sqft (0.076 acres)
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	231 CHAPPELL CT
City	GILROY
State	CA
Zip	95020-7255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8802 BOOK 675 PAGE 25 PAGE 26 LOT 4
Legal Subdivision	TRACT NO 8802
Legal Tract	8802
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512514

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	231 CHAPPELL CT, GILROY, CA 95020-7255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Sep 27, 2019	Grant Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Feb 3, 2011 · Amount on Record
Deed Document Number	201924292177
Prior Transfer Date	Jan 28, 2011
Prior Transfer Doc	0021073325
Record Updated	Oct 29, 2026

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CLARA CA
Property Address	231 CHAPPELL CT, GILROY, CA 95020-7255
Document Number	0024781333
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 CHAPPELL CT GILROY CA 950207255, GILROY, CA 95020-7255

Mortgage

Document Number	0024781333
Date	Jan 11, 2021
Instrument	24781333

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	336 Months
Due	Jan 10, 2049

Interest

Rate	3.37%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 27, 2019
Property Address	231 CHAPPELL CT, GILROY, CA 95020-7255
Document Number	0024292177
Map Reference	MB 675 PG 25&26
Instrument Date	Sep 13, 2019
Instrument	24292177
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	495 RONAN AVE, GILROY, CA 95020-7243

Mortgage

Document Number	0024292178
Date	Sep 27, 2019
Instrument	24292178

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$730,659 (+2%) Land $255,674 Building $474,985
2025	$8,785.00 (+2.23%) Homeowner's exemption	$716,333 (+4.04%) Land $250,661 Building $465,672
2023	$8,593.00 (+1.68%) Homeowner's exemption	$688,520 Land $240,929 Building $447,591
2022	$8,451.00

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	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 621 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

May also be available: Frontier, GeoLinks, Verizon.

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