7400 Dowdy St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7400 Dowdy St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 1944
Lot Size	0.196 acres (8,540 sqft)
Owner	2 Individual Names on File
Last Sale	$1,240,000 (Jun 2025)
Tax Bill	$4,432 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`799-18-034`

Property Details

APN / Parcel Number

Primary APN	`799-18-034`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,691 sqft Living Area
Gross Area	995 sqft
1st Floor Area	995 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,540 sqft (0.196 acres)
Lot Dimensions	140 ft deep x 61 ft wide
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	7400 DOWDY ST
City	GILROY
State	CA
Zip	95020-5720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	MILLER & LUX WESTERN ADD
Legal Block	1
Legal Lot Number	20
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1029
Census Tract	512511

Owner

7400 Dowdy St is owned and occupied by two individuals who bought it in June 2025.

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	2 Individual Names on File
Mailing Address	7400 DOWDY ST, GILROY, CA 95020-5720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jun 27, 2025	Grant Deed, Transfer · Conventional Mortgage GOOGAIN INC
Apr 7, 2021	Affidavit of Death of Joint Tenant, Transfer · Line of Credit MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Deed Document Number	202525828006
Prior Transfer Date	Apr 2, 2021
Prior Transfer Doc	0024910218
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7400 DOWDY ST, GILROY, CA 95020-5720
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7400 DOWDY ST, GILROY, CA 95020-5720

Mortgage

Document Number	0024910219
Date	Apr 7, 2021
Instrument	24910219

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 27, 2025
Property Address	7400 DOWDY ST, GILROY, CA 95020-5720
Document Number	0025828006
Map Reference	MB P PG 45
Instrument Date	Jun 10, 2025
Instrument	25828006
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,364.00
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	7400 DOWDY ST, GILROY, CA 95020-5720

Mortgage

Document Number	0025828007
Date	Jun 27, 2025
Instrument	25828007

Lender

Name	GOOGAIN INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

April 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 7, 2021
Property Address	7400 DOWDY ST, GILROY, CA 95020-5720
Document Number	0024910218
Map Reference	MB P PG 45
Instrument Date	Apr 2, 2021
Instrument	24910218
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 451, GILROY, CA 95021-0451

Mortgage

Document Number	0024910219
Date	Apr 7, 2021
Instrument	24910219

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 7400 Dowdy St was $4,432.

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		$1,264,800 (+259.17%) Land $816,000 Building $448,800
2025	$4,432.00	$352,145 Land $105,256 Building $246,889
2023	$4,336.00 (+1.69%)	$338,473 Land $101,170 Building $237,303
2022	$4,264.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7400 Dowdy St in Zone X, an area of moderate flood risk.

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

The area around 7400 Dowdy St has no burnable land within ember reach, so its wildfire risk is not rated.

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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