491 Eden St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 491 Eden St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,829 sqft · built 1997
Lot Size	0.12 acres (5,225 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Dec 2000)
Tax Bill	$10,139 (2025)
Deeds & Mortgages	Oct 2025 Transfer Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-53-002`

Property Details

APN / Parcel Number

Primary APN	`790-53-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,829 sqft Living Area
1st Floor Area	832 sqft
2nd Floor Area	997 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	5,225 sqft (0.12 acres)
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	491 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 2
Legal Subdivision	TRACT NO 8849
Legal Tract	8849
Legal Lot Number	2
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 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	491 EDEN ST, GILROY, CA 95020-7266
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Intrafamily Transfer, Transfer
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
Aug 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SMW 104 FCU
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2000 · Amount on Record
Deed Sale	Dec 14, 2000 · Amount on Record
Prior Sale	Apr 30, 1997 · Amount on Record
Deed Document Number	200015494662
Last Transfer Date	Apr 21, 2003
Transfer Doc	0016997582
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 31, 2025
Property Address	491 EDEN ST, GILROY, CA 95020-7266
Document Number	0025893561
Map Reference	MB 677 PG 36 & 37
Instrument Date	Oct 30, 2025
Instrument	25893561
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 EDEN ST, GILROY, CA 95020-7266

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	491 EDEN ST, GILROY, CA 95020-7266
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 EDEN ST, GILROY, CA 95020-7266

Mortgage

Document Number	0024802549
Date	Jan 27, 2021
Instrument	24802549

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

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

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	491 EDEN ST, GILROY, CA 95020-7266
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 EDEN ST, GILROY, CA 95020-7266

Mortgage

Document Number	0025353485
Date	Aug 4, 2022
Instrument	25353485

Lender

Name	SMW 104 FCU
Type	Credit Union
Address	SAN LEANDRO, CA 94577

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	491 EDEN ST, GILROY, CA 95020-7266
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024258416
Date	Aug 19, 2019
Instrument	24258416

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	491 EDEN ST, GILROY, CA 95020-7266
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024529512
Date	Jul 8, 2020
Instrument	24529512

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$844,044 (+2%) Land $295,280 Building $548,764
2025	$10,139.00 (+2.22%) Homeowner's exemption	$827,495 (+4.04%) Land $289,491 Building $538,004
2023	$9,919.00 (+1.68%) Homeowner's exemption	$795,363 Land $278,250 Building $517,113
2022	$9,755.00

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.

Nearby Properties on Eden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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