6428 Emerald Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 6428 Emerald Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,762 sqft · built 2017
Lot Size	0.103 acres (4,512 sqft)
Owner	2 Individual Names on Record
Last Sale	$814,500 (Jan 2018)
Tax Bill	$11,348 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`808-52-120`

Property Details

APN / Parcel Number

Primary APN	`808-52-120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,762 sqft Living Area
1st Floor Area	1,762 sqft
2nd Floor Area	1,000 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Architectural Style	Other
Construction Type	Wood
Lot Area	4,512 sqft (0.103 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	6428 EMERALD CT
City	GILROY
State	CA
Zip	95020-7130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A140
Legal Description	TR 10255 LOT 120
Legal Subdivision	10255 VISTA BELLA
Legal Tract	10255
Legal Lot Number	120
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1031
Census Tract	512509

Owner

Source: Santa Clara County records, as of October 20, 2025

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	6428 EMERALD CT, GILROY, CA 95020-7130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit MERIWEST CU
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 31, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 22, 2018	Grant Deed, Transfer · Conventional Mortgage ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Deed Document Number	23852876
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6428 EMERALD CT, GILROY, CA 95020-7130
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6428 EMERALD CT, GILROY, CA 95020-7130

Mortgage

Document Number	0025356748
Date	Aug 11, 2022
Instrument	25356748

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6428 EMERALD CT, GILROY, CA 95020-7130
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6428 EMERALD CT, GILROY, CA 95020-7130

Mortgage

Document Number	0024910251
Date	Apr 7, 2021
Instrument	24910251

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6428 EMERALD CT, GILROY, CA 95020-7130
Document Number	0024397038
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6428 EMERALD CT GILROY CA 950207130, GILROY, CA 95020-7130

Mortgage

Document Number	0024397038
Date	Feb 5, 2020
Instrument	24397038

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 22, 2018
Property Address	6428 EMERALD CT, GILROY, CA 95020-7130
Document Number	0023852876
Instrument Date	May 15, 2017
Instrument	23852876
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$895.95
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6428 EMERALD CT GILROY CA 950207130, GILROY, CA 95020-7130

Mortgage

Document Number	23852877
Date	Jan 22, 2018
Instrument	23852877

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

Mortgage

Document Number	23852878,
Date	Jan 22, 2018
Instrument	23852878

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	GOODLETTSVILLE, TN 37072

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 21, 2038

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 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	$11,348.00 (+2.22%) Homeowner's exemption	$926,692 (+4.04%) Land $512,020 Building $414,672
2023	$11,102.00 (+1.68%) Homeowner's exemption	$890,710 Land $492,139 Building $398,571
2022	$10,919.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	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: GeoLinks, Verizon.

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