481 Eden St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 481 Eden St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,976 sqft · built 1997
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Feb 2015)
Tax Bill	$7,903 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-53-001`

Property Details

APN / Parcel Number

Primary APN	`790-53-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	966 sqft
2nd Floor Area	1,010 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	481 EDEN ST
City	GILROY
State	CA
Zip	95020-7266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8849 BOOK 677 PAGE 36 PAGE 37 LOT 1
Legal Subdivision	TRACT NO 8849
Legal Tract	8849
Legal Lot Number	1
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2000
Census Tract	512514

Owner

Source: Santa Clara County records, as of July 22, 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	481 EDEN ST, GILROY, CA 95020-7266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2015 · Amount on Record
Deed Sale	Feb 13, 2015 · Amount on Record
Prior Sale	Aug 14, 2009 · Amount on Record
Deed Document Number	201522853824
Prior Transfer Date	Oct 11, 2011
Prior Transfer Doc	0021410302
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	481 EDEN ST, GILROY, CA 95020-7266
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 EDEN ST, GILROY, CA 95020-7266

Mortgage

Document Number	0025015212
Date	Jul 1, 2021
Instrument	25015212

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	481 EDEN ST, GILROY, CA 95020-7266
Document Number	0024571027
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	481 EDEN ST GILROY CA 950207266, GILROY, CA 95020-7266

Mortgage

Document Number	0024571027
Date	Aug 11, 2020
Instrument	24571027

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$7,903.00 (+2.2%)	$636,971 (+4.04%) Land $222,937 Building $414,034
2023	$7,733.00 (+1.66%)	$612,238 Land $214,281 Building $397,957
2022	$7,607.00

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

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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 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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