6462 Emerald Ct, Gilroy, CA 95020 Property Records

Santa Clara County property record for 6462 Emerald Ct, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,101 sqft · built 2017
Lot Size	0.106 acres (4,636 sqft)
Owner	Individual Name on Record
Last Sale	$855,500 (Oct 2017)
Tax Bill	$11,933 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`808-52-117`

Property Details

APN / Parcel Number

Primary APN	`808-52-117`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,101 sqft Living Area
1st Floor Area	1,500 sqft
2nd Floor Area	1,601 sqft

Exterior

Year Built	Built 2017
Construction Type	Wood
Lot Area	4,636 sqft (0.106 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	6462 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 117
Legal Subdivision	10255 VISTA BELLA
Legal Tract	10255
Legal Lot Number	117
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6462 EMERALD CT, GILROY, CA 95020-7130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 26, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 19, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2017 · Amount on Record
Deed Sale	Oct 19, 2017 · Amount on Record
Prior Sale	Oct 19, 2017 · Amount on Record
Deed Document Number	0023779714
Last Transfer Date	Dec 26, 2019
Transfer Doc	0024366225
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	6462 EMERALD CT, GILROY, CA 95020-7130
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6462 EMERALD CT, GILROY, CA 95020-7130

Mortgage

Document Number	0024766798
Date	Dec 29, 2020
Instrument	24766798

Lender

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

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 26, 2019
Property Address	6462 EMERALD CT, GILROY, CA 95020-7130
Document Number	0024366225
Map Reference	MB 881 PG 21-28
Instrument Date	Dec 18, 2019
Instrument	24366225
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Partially Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6462 EMERALD CT, GILROY, CA 95020-7130

Mortgage

Document Number	0024366226
Date	Dec 26, 2019
Instrument	24366226

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 19, 2017
Property Address	6462 EMERALD CT, GILROY, CA 95020-7130
Document Number	0023779714
Map Reference	MAP881 PG21-28
Instrument Date	Oct 11, 2017
Instrument	23779714
Transaction Type	Transfer
Record Updated	Sep 1, 2021
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	Joint Tenants
Address	6462 EMERALD CT, GILROY, CA 95020-7130

Mortgage

Document Number	0023779715
Date	Oct 19, 2017
Instrument	23779715

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Mortgage

Document Number	0023779716
Date	Oct 19, 2017
Instrument	23779716

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$11,933.00 (+2.18%)	$967,737 (+4.04%) Land $419,681 Building $548,056
2023	$11,678.00 (+1.65%)	$930,160 Land $403,385 Building $526,775
2022	$11,488.00

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	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 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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