7420 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7420 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1947
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$21,000 (Sep 2004)
Tax Bill	$613 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`799-18-015`

Property Details

APN / Parcel Number

Primary APN	`799-18-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
1st Floor Area	1,592 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	None

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	7420 CARMEL ST
City	GILROY
State	CA
Zip	95020-5731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 1 LOT 18
Legal Subdivision	MILLER & LUX WESTER
Legal Block	1
Legal Lot Number	18
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1031
Census Tract	512511

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	7420 CARMEL ST, GILROY, CA 95020-5731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 2, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2004 · Amount on Record
Deed Sale	Sep 22, 2004 · Amount on Record
Prior Sale	Jun 19, 2003 · Amount on Record
Deed Document Number	200418014512
Last Transfer Date	Apr 25, 2019
Transfer Doc	0024170254
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7420 CARMEL ST, GILROY, CA 95020-5731
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7420 CARMEL ST, GILROY, CA 95020-5731

Mortgage

Document Number	0025210707
Date	Jan 4, 2022
Instrument	25210707

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jul 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7420 CARMEL ST, GILROY, CA 95020-5731
Document Number	0024399958
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7420 CARMEL ST GILROY CA 950205731, GILROY, CA 95020-5731

Mortgage

Document Number	0024399958
Date	Feb 10, 2020
Instrument	24399958

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 2, 2019
Property Address	7420 CARMEL ST, GILROY, CA 95020-5731
Document Number	0024170254
Instrument Date	Apr 25, 2019
Instrument	24170254
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7420 CARMEL ST GILROY CA 950205731, GILROY, CA 95020-5731

Mortgage

Document Number	24170255
Date	May 2, 2019
Instrument	24170255

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

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

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		$39,521 (+2%) Land $12,454 Building $27,067
2025	$613.00 (+2.51%)	$38,747 (+4.04%) Land $12,210 Building $26,537
2023	$598.00 (+1.87%)	$37,244 Land $11,737 Building $25,507
2022	$587.00

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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