7145 Concord Pl, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7145 Concord Pl, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,918 sqft · built 1977
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Feb 2017)
Tax Bill	$9,687 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`799-37-038`

Property Details

APN / Parcel Number

Primary APN	`799-37-038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,918 sqft Living Area
1st Floor Area	1,290 sqft
2nd Floor Area	1,628 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	990 sqft
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7145 CONCORD PL
City	GILROY
State	CA
Zip	95020-6314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 5846 HIDDEN GLEN OF GILROY NO 03 BOOK 385 PAGE 28 PAGE 30 LOT 215
Legal Subdivision	HIDDEN GLEN OF GILROY 03
Legal Tract	5846
Legal Lot Number	215
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1005
Census Tract	512512

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	7145 CONCORD PL, GILROY, CA 95020-6314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 8, 2017	Grant Deed, Transfer · VA Mortgage SANTA CRUZ HOME FINANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017 · Amount on Record
Deed Sale	Feb 8, 2017 · Amount on Record
Prior Sale	Mar 23, 1994 · Amount on Record
Deed Document Number	201723578282
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7145 CONCORD PL, GILROY, CA 95020-6314
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 CONCORD PL, GILROY, CA 95020

Mortgage

Document Number	0025492887
Date	Jun 26, 2023
Instrument	25492887

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7145 CONCORD PL, GILROY, CA 95020-6314
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7145 CONCORD PL, GILROY, CA 95020-6314

Mortgage

Document Number	0025042651
Date	Jul 27, 2021
Instrument	25042651

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 8, 2017
Property Address	7145 CONCORD PL, GILROY, CA 95020-6314
Document Number	0023578282
Map Reference	MAP385 PG28-30
Instrument Date	Jan 31, 2017
Instrument	23578282
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	7145 CONCORD PL, GILROY, CA 95020-6314

Mortgage

Document Number	0023578283
Date	Feb 8, 2017
Instrument	23578283

Lender

Name	SANTA CRUZ HOME FINANCE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 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		$799,056 (+2%) Land $439,423 Building $359,633
2025	$9,687.00 (+2.18%)	$783,389 (+4.04%) Land $430,807 Building $352,582
2023	$9,480.00 (+1.66%)	$752,971 Land $414,079 Building $338,892
2022	$9,325.00

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 X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% 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 693 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, T-Mobile, Verizon.

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