6420 Church St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 6420 Church St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,814 sqft · built 1981
Lot Size	0.161 acres (7,004 sqft)
Owner	Company Name on Record
Tax Bill	$3,449 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`799-45-003`

Property Details

APN / Parcel Number

Primary APN	`799-45-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,814 sqft Living Area
1st Floor Area	1,250 sqft
2nd Floor Area	1,564 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	7,004 sqft (0.161 acres)
Lot Dimensions	103 ft deep x 68 ft wide
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6420 CHURCH ST
City	GILROY
State	CA
Zip	95020-6734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 6255 LOT 143
Legal Subdivision	6255 HIDDEN GLEN/GILROY UN #6
Legal Tract	6255
Legal Lot Number	143
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2002
Census Tract	512509

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	Company Name on Record
Mailing Address	6420 CHURCH ST, GILROY, CA 95020-6734
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 20, 2009
Transfer Doc	0020166351
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6420 CHURCH ST, GILROY, CA 95020-6734
Transaction Type	Mortgage
Record Updated	May 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6420 CHURCH ST, GILROY, CA 95020-6734

Mortgage

Document Number	0025297578
Date	May 6, 2022
Instrument	25297578

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

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	6420 CHURCH ST, GILROY, CA 95020-6734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6420 CHURCH ST, GILROY, CA 95020-6734

Mortgage

Document Number	0024734983
Date	Dec 4, 2020
Instrument	24734983

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	May 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		$284,068 (+2%) Land $76,170 Building $207,898
2025	$3,449.00 (+2.31%) Homeowner's exemption	$278,499 (+4.04%) Land $74,677 Building $203,822
2023	$3,371.00 (+1.75%) Homeowner's exemption	$267,686 Land $71,778 Building $195,908
2022	$3,313.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 477 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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