655 Dawn Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 655 Dawn Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,703 sqft · built 1988
Lot Size	0.536 acres (23,350 sqft)
Owner	2 Company Names on File
Last Sale	$650,000 (Jun 2014)
Tax Bill	$9,851 (2025)
Deeds & Mortgages	Mar 2024 Transfer Apr 2022 Line of Credit + 3 more
Flood Zone	Zone D (undetermined)
APN	`810-29-019`

Property Details

APN / Parcel Number

Primary APN	`810-29-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,703 sqft Living Area
1st Floor Area	2,039 sqft
2nd Floor Area	664 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	23,350 sqft (0.536 acres)
Terrain	Gentle Slope
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	655 DAWN WAY
City	GILROY
State	CA
Zip	95020-6821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A125
Legal Description	LOT 2
Legal Subdivision	LAS ANIMAS RANCHO
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1021
Census Tract	512510

Owner

Source: Santa Clara County assessment roll, 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 Company Names on File
Mailing Address	655 DAWN WAY, GILROY, CA 95020-6821
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Intrafamily Transfer, Transfer
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAPITOL DIRECT LENDING
Jul 7, 2020	Quit Claim Deed, Transfer NEXBANK SSB
Jun 16, 2017	Intrafamily Transfer, Transfer · Line of Credit TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2014 · Amount on Record
Deed Sale	Jun 20, 2014 · Amount on Record
Deed Document Number	201422626396
Last Transfer Date	Mar 2, 2024
Transfer Doc	0025606649
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 6, 2024
Property Address	655 DAWN WAY, GILROY, CA 95020-6821
Document Number	0025606649
Map Reference	MB 185 PG 7
Instrument Date	Mar 2, 2024
Instrument	25606649
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 DAWN WAY, GILROY, CA 95020-6821

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	655 DAWN WAY, GILROY, CA 95020-6821
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 DAWN WAY, GILROY, CA 95020-6821

Mortgage

Document Number	0025276246
Date	Apr 5, 2022
Instrument	25276246

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	655 DAWN WAY, GILROY, CA 95020-6821
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 DAWN WAY, GILROY, CA 95020-6821

Mortgage

Document Number	0025215571
Date	Jan 10, 2022
Instrument	25215571

Lender

Name	CAPITOL DIRECT LENDING
Type	Non-Lending Institution
Address	ROCKLIN, CA 95765

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 7, 2020
Property Address	655 DAWN WAY, GILROY, CA 95020-6821
Document Number	0024527897
Instrument Date	Jun 30, 2020
Instrument	24527897
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	655 DAWN WAY GILROY CA 950206821, GILROY, CA 95020-6821

Mortgage

Document Number	24527900
Date	Jul 7, 2020
Instrument	24527900

Lender

Name	NEXBANK SSB
Type	Federal Savings Bank
Address	DALLAS, TX 75201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 16, 2017
Property Address	655 DAWN WAY, GILROY, CA 95020-6821
Document Number	0023676075
Map Reference	MAP548 PG6
Instrument Date	Jun 12, 2017
Instrument	23676075
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	655 DAWN WAY, GILROY, CA 95020-6821

Mortgage

Document Number	0023676077
Date	Jun 16, 2017
Instrument	23676077

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0023676076
Date	Jun 16, 2017
Instrument	23676076

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

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		$812,735 (+2%) Land $325,092 Building $487,643
2025	$9,851.00 (+3.11%)	$796,800 (+4.04%) Land $318,718 Building $478,082
2023	$9,554.00 (+1.68%) Homeowner's exemption	$765,861 Land $306,343 Building $459,518
2022	$9,396.00

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1986–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 45 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: Verizon.

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