651 Eden St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 651 Eden St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,814 sqft · built 1996
Lot Size	0.076 acres (3,325 sqft)
Owner	Individual Name on Record
Last Sale	$459,000 (Feb 2004)
Tax Bill	$8,007 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-01-038`

Property Details

APN / Parcel Number

Primary APN	`790-01-038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,814 sqft Living Area
1st Floor Area	759 sqft
2nd Floor Area	1,055 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,325 sqft (0.076 acres)
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	651 EDEN ST
City	GILROY
State	CA
Zip	95020-7252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8691 BOOK 665 PAGE 1 PAGE 3 LOT 5
Legal Subdivision	TRACT NO 8691
Legal Tract	8691
Legal Lot Number	5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	651 EDEN ST, GILROY, CA 95020-7252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage WESTERN BANCORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2004 · Amount on Record
Deed Sale	Feb 13, 2004 · Amount on Record
Prior Sale	Mar 31, 2000 · Amount on Record
Deed Document Number	200417616646
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	651 EDEN ST, GILROY, CA 95020-7252
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 EDEN ST, GILROY, CA 95020-7252

Mortgage

Document Number	0025147056
Date	Oct 28, 2021
Instrument	25147056

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2051

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	651 EDEN ST, GILROY, CA 95020-7252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 EDEN ST, GILROY, CA 95020-7252

Mortgage

Document Number	0024758789
Date	Dec 22, 2020
Instrument	24758789

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	651 EDEN ST, GILROY, CA 95020-7252
Document Number	0023848208
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 EDEN ST GILROY CA 950207252, GILROY, CA 95020-7252

Mortgage

Document Number	0023848208
Date	Jan 12, 2018
Instrument	23848208

Lender

Name	WESTERN BANCORP
Type	Bank
Address	SAN JOSE, CA 95123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2048

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		$665,559 (+2%) Land $232,893 Building $432,666
2025	$8,007.00 (+2.23%) Homeowner's exemption	$652,510 (+4.04%) Land $228,327 Building $424,183
2023	$7,832.00 (+1.69%) Homeowner's exemption	$627,173 Land $219,461 Building $407,712
2022	$7,702.00

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.

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