7430 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7430 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1947
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Jan 2022)
Tax Bill	$12,858 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone X (moderate risk)
APN	`799-18-016`

Property Details

APN / Parcel Number

Primary APN	`799-18-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,810 sqft Living Area
Gross Area	1,378 sqft
1st Floor Area	1,378 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1990
Architectural Style	Custom Design
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	7430 CARMEL ST
City	GILROY
State	CA
Zip	95020-5731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MAP J3 977
Legal Subdivision	MILLER & LUX WESTERN ADD
Legal Block	1
Legal Lot Number	17
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	7430 CARMEL ST, GILROY, CA 95020-5731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Deed Document Number	202225216746
Prior Transfer Date	May 6, 2021
Prior Transfer Doc	0024966324
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 11, 2022
Property Address	7430 CARMEL ST, GILROY, CA 95020-5731
Document Number	0025216746
Map Reference	MB P PG 45
Instrument Date	Jan 6, 2022
Instrument	25216746
Transaction Type	Transfer
Record Updated	Jan 20, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	7430 CARMEL ST, GILROY, CA 95020-5731

Mortgage

Document Number	0025216747
Date	Jan 11, 2022
Instrument	25216747

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0025221740
Date	Jan 19, 2022
Instrument	25221740

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	TEXARKANA, TX 75507

Agreement

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

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	May 19, 2021
Property Address	7430 CARMEL ST, GILROY, CA 95020-5731
Document Number	0024966324
Map Reference	MB P PG 45
Instrument Date	May 6, 2021
Instrument	24966324
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	1119 STONESHEAD CT, WESTLAKE VILLAGE, CA 91361-1644

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		$985,000 (-6.24%) Land $393,900 Building $591,100
2025	$12,858.00 (+2.21%) Homeowner's exemption	$1,050,593 (+4.04%) Land $420,237 Building $630,356
2023	$12,580.00 (+40.51%) Homeowner's exemption	$1,009,800 Land $403,920 Building $605,880
2022	$8,953.00

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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