7430 Dowdy St, Gilroy, CA 95020 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,043 sqft · built 1944
Lot Size	0.161 acres (7,000 sqft)
Owner	Trust Name on File
Tax Bill	$2,372 (2025)
Deeds & Mortgages	May 2018 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`799-18-037`

Property Details

APN / Parcel Number

Primary APN	`799-18-037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
1st Floor Area	1,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	Custom Design
Exterior Material	Block
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	Porch

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7430 DOWDY ST
City	GILROY
State	CA
Zip	95020-5720
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	18,17
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1029
Census Tract	512511

Owner

7430 Dowdy St is owner-occupied and held in a trust since April 2020.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	Trust Name on File
Mailing Address	7430 DOWDY ST, GILROY, CA 95020-5720
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 17, 2020
Transfer Doc	0024506279
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7430 DOWDY ST, GILROY, CA 95020-5720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023938206
Date	May 22, 2018
Instrument	23938206

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7430 DOWDY ST, GILROY, CA 95020-5720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024420021
Date	Mar 4, 2020
Instrument	24420021

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 15, 2020
Property Address	7430 DOWDY ST, GILROY, CA 95020-5720
Document Number	0024506279
Instrument Date	Apr 17, 2020
Instrument	24506279
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7430 DOWDY ST GILROY CA 950205720, GILROY, CA 95020-5720

Tax Assessment & Valuation

The 2025 property tax bill for 7430 Dowdy St was $2,372 with a homeowner's exemption.

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		$193,946 (+2%) Land $86,192 Building $107,754
2025	$2,372.00 Homeowner's exemption	$190,144 Land $84,502 Building $105,642
2023	$2,317.00 (+1.8%) Homeowner's exemption	$182,763 Land $81,222 Building $101,541
2022	$2,276.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 7430 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 7430 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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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