6431 Wheatfield Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 6431 Wheatfield Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,493 sqft · built 1999
Lot Size	0.17 acres (7,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,280,000 (Mar 2022)
Tax Bill	$14,252 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`808-41-053`

Property Details

APN / Parcel Number

Primary APN	`808-41-053`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,493 sqft Living Area
Gross Area	1,532 sqft
1st Floor Area	698 sqft
2nd Floor Area	834 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,410 sqft (0.17 acres)
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6431 WHEATFIELD CT
City	GILROY
State	CA
Zip	95020-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9110 LOT 53
Legal Subdivision	9110 VILLAS
Legal Tract	9110
Legal Lot Number	53
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1029
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	2 Individual Names on Record
Mailing Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 2, 2020	Grant Deed, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Prior Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	202225261052
Prior Transfer Date	Jun 25, 2012
Prior Transfer Doc	0021726490
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 16, 2022
Property Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435
Document Number	0025261052
Map Reference	MB 712 PG 45-50
Instrument Date	Mar 4, 2022
Instrument	25261052
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	5431 WHEATFIELD COURT, GILROY, CA 95020

Mortgage

Document Number	0025261053
Date	Mar 16, 2022
Instrument	25261053

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435

Mortgage

Document Number	0024706145
Date	Nov 17, 2020
Instrument	24706145

Lender

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

Agreement

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

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 2, 2020
Property Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435
Document Number	0024417848
Map Reference	MB 712 PG 45-50
Instrument Date	Feb 24, 2020
Instrument	24417848
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 WHEATFIELD CT, GILROY, CA 95020-3435

Mortgage

Document Number	0024417849
Date	Mar 2, 2020
Instrument	24417849

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 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		$1,210,000 (+3.86%) Land $785,000 Building $425,000
2025	$14,252.00 (-4.61%) Homeowner's exemption	$1,165,000 (-2.92%) Land $757,200 Building $407,800
2023	$14,940.00 (+34.81%) Homeowner's exemption	$1,200,000 Land $780,000 Building $420,000
2022	$11,082.00

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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