440 W 7th St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 440 W 7th St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 1948
Lot Size	0.192 acres (8,346 sqft)
Owner	2 Company Names on Record
Last Sale	$380,000 (Apr 2026)
Tax Bill	$8,636 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`799-15-024`

Property Details

APN / Parcel Number

Primary APN	`799-15-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,682 sqft Living Area
1st Floor Area	1,682 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,346 sqft (0.192 acres)
Lot Dimensions	107 ft deep x 78 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	440 W 7TH ST
City	GILROY
State	CA
Zip	95020-6122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	LAS ANIMAS RANCH
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2014
Census Tract	512512

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	2 Company Names on Record
Mailing Address	5862 CAJON WAY, GILROY, CA 95020-6828
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Apr 23, 2026	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 24, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Apr 23, 2026 · Amount on Record
Deed Document Number	202625981084
Prior Transfer Date	Oct 29, 2015
Prior Transfer Doc	0023144804
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 30, 2026
Property Address	440 W 7TH ST, GILROY, CA 95020-6122
Document Number	0025981084
Instrument Date	Apr 21, 2026
Instrument	2026.25981084
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$42,218.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	5862 CAJON WAY, GILROY, CA 95020-6828
Investor	Possibly a Property Investor

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 23, 2026
Property Address	440 W 7TH ST, GILROY, CA 95020-6122
Document Number	0025977326
Instrument Date	Apr 20, 2026
Instrument	2026.25977326
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	440 W 7TH ST, GILROY, CA 95020-6122
Investor	Possibly a Property Investor

Mortgage

Document Number	0025977326,
Date	Apr 23, 2026
Instrument	2026.25977326

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 24, 2019
Property Address	440 W 7TH ST, GILROY, CA 95020-6122
Document Number	0024188186
Instrument Date	May 22, 2019
Instrument	24188186
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$687.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10746 GREEN VALLEY DR GILROY CA 950209333, GILROY, CA 95020-9333

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		$711,136 (+2%) Land $391,069 Building $320,067
2025	$8,636.00 (+1.59%)	$697,193 (+4.04%) Land $383,401 Building $313,792
2024	$8,501.00
2023		$670,122 Land $368,514 Building $301,608

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

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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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