7281 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7281 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1956
Lot Size	0.158 acres (6,916 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Jun 2019)
Tax Bill	$8,704 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`799-16-003`

Property Details

APN / Parcel Number

Primary APN	`799-16-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Other
Construction Type	Wood
Lot Area	6,916 sqft (0.158 acres)
Lot Dimensions	133 ft deep x 52 ft wide
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	7281 CARMEL ST
City	GILROY
State	CA
Zip	95020-6132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 626 BLK 2 LOT 3
Legal Subdivision	GLENVIEW TR
Legal Tract	626
Legal Block	2
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2015
Census Tract	512512

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	7281 CARMEL ST, GILROY, CA 95020-6132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 11, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Nov 2, 2012
Deed Document Number	24200099
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7281 CARMEL ST, GILROY, CA 95020-6132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7281 CARMEL ST, GILROY, CA 95020-6132

Mortgage

Document Number	0024599172
Date	Sep 2, 2020
Instrument	24599172

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 11, 2019
Property Address	7281 CARMEL ST, GILROY, CA 95020-6132
Document Number	0024200099
Map Reference	MB 22 PG 45
Instrument Date	Jun 5, 2019
Instrument	24200099
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	Right of Survivorship
Address	7281 CARMEL ST, GILROY, CA 95020-6132

Mortgage

Document Number	0024200100
Date	Jun 11, 2019
Instrument	24200100

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

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	$8,704.00 (+2.18%)	$702,772 (+4.04%) Land $362,541 Building $340,231
2023	$8,518.00 (+1.66%)	$675,484 Land $348,464 Building $327,020
2022	$8,379.00

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	Not rated no burnable land within 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 703 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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