1. Home
  2. California
  3. Santa Clara County
  4. Gilroy
  5. Dowdy St

7431 Dowdy St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7431 Dowdy St, Gilroy, CA 95020

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,097 sqft · built 1944
Lot Size0.161 acres (7,000 sqft)
OwnerIndividual Name on File
Last Sale$990,000 (May 2024)
Tax Bill$12,446 (2025)
Deeds & MortgagesJun 2017 Mortgage
Mar 2021 Transfer
+ 5 more
Flood ZoneZone X (moderate risk)
APN799-18-009

Property Details

APN / Parcel Number

Primary APN799-18-009

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms12 Rooms
Stories1 Story
Building Area2,097 sqft Living Area
Gross Area1,497 sqft
1st Floor Area1,497 sqft
Family RoomFamily Room
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1944
Effective Year BuiltEffective 1944
Architectural StyleH-Shape
Construction TypeWood
Lot Area7,000 sqft (0.161 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage Area520 sqft
Parking Spaces2 Parking Spaces
PorchPorch

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address7431 DOWDY ST
CityGILROY
StateCA
Zip95020-5719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal SubdivisionMILLER & LUX WESTERN ADD
Legal Block1
Legal Lot Number7
JurisdictionSANTA CLARA CA
Township / Civil DivisionSOUTH SANTA CLARA VALLEY
Census Block Group1
Census Block1030
Census Tract512511

Owner

Source: Santa Clara County records · APN 799-18-009

Assessment roll updated July 27, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address7431 DOWDY ST, GILROY, CA 95020-5719
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2017Deed of Trust, Mortgage · ARM
CITADEL SERVICING CORPORATION
Mar 26, 2021Affidavit of Death of Joint Tenant, Transfer
CHICAGO TITLE COMPANY
Mar 24, 2021Grant Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 15, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Dec 21, 2019Deed of Trust, Mortgage · Conventional Mortgage
MIGUEL & SANTOS C GAETA
Jan 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
CITADEL SVCNG CORP
Jul 27, 2018Trustee's Deed, Construction Loan · Construction Mortgage
ARNO E LAUTERBACH

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 21, 2024 · Amount on Record
Deed SaleMay 21, 2024 · Amount on Record
Prior SaleMar 24, 2021 · Amount on Record
Deed Document Number202425639323
Last Transfer DateFeb 04, 2025
Transfer Doc0025764271
Record UpdatedSep 20, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Transaction TypeMortgage
Record UpdatedJul 13, 2021
Title CompanyOLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023686637
DateJun 29, 2017
Instrument23686637
Lender
NameCITADEL SERVICING CORPORATION
TypeNon-Lending Institution
AddressIRVINE, CA 92618
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2047
Interest
Rate TypeAdjustable Rate
Rate7.75%
Type Change DateJul 01, 2024
Change FrequencyAnnually
Min Rate At Change7.75%
Max Rate At Change9.75%
Index1-Year CMT
Max Rate13.7%

March 2021: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionSANTA CLARA CA
Recording DateMar 26, 2021
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Document Number0024892917
Map ReferenceMB P PG 45
Instrument DateMar 22, 2021
Instrument24892917
Transaction TypeTransfer
Record UpdatedJul 13, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7320 PRINCEVALLE ST, GILROY, CA 95020-6146

March 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CLARA CA
Recording DateMar 24, 2021
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Document Number0024889145
Map ReferenceMB P PG 45
Instrument DateMar 20, 2021
Instrument24889145
Transaction TypeTransfer
Record UpdatedJul 13, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address7431 DOWDY ST, GILROY, CA 95020-5719

Mortgage

Document Number0024889146
DateMar 24, 2021
Instrument24889146
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CLARA CA
Recording DateOct 15, 2020
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Document Number0024656764
Instrument DateSep 18, 2020
Instrument24656764
Transaction TypeTransfer
Record UpdatedOct 29, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address851 2ND ST GILROY CA 950204941, GILROY, CA 95020-4941

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Document Number0024367721
Instrument DateDec 21, 2019
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address851 2ND ST GILROY CA 950204941, GILROY, CA 95020-4941

Mortgage

Document Number0024367721
DateDec 27, 2019
Instrument24367721
Lender
NameMIGUEL & SANTOS C GAETA
Address7320 PRINCEVALLE ST, GILROY, CA 95020-6146
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueDec 26, 2024

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Document Number0024106676
Instrument DateJan 25, 2019
Transaction TypeMortgage
Record UpdatedFeb 11, 2019
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address851 2ND ST GILROY CA 950204941, GILROY, CA 95020-4941

Mortgage

Document Number0024106676
DateJan 30, 2019
Instrument24106676
Lender
NameCITADEL SVCNG CORP
AddressIRVINE, CA 92618
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 29, 2049
Interest
Rate TypeAdjustable Rate
Rate7%

July 2018: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionSANTA CLARA CA
Recording DateJul 27, 2018
Property Address7431 DOWDY ST, GILROY, CA 95020-5719
Instrument DateJul 23, 2018
Instrument23991251
Transaction TypeConstruction Loan
Record UpdatedAug 06, 2018
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address851 2ND ST GILROY CA 950204941, GILROY, CA 95020-4941

Mortgage

Document Number0023991251
DateJul 27, 2018
Instrument23991251
Lender
NameARNO E LAUTERBACH
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJul 26, 2019

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 27, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityGilroy City
Unified School DistrictGilroy Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$1,029,996 (+2%) Land $676,260 Building $353,736
2025$12,446.00 (+23.51%)$1,009,800 (+26.05%) Land $663,000 Building $346,800
2023$10,077.00 (+1.66%)$801,107 Land $320,443 Building $480,664
2022$9,912.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 18, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Razzolink
Fixed Wireless		500 / 250
Etheric Communications, LLC.
Fixed Wireless		250 / 100
Hankins Information Technology
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: California Internet, Frontier.

Based on FCC filings for 703 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF GILROY
serves 59,426 people
Water SourceGroundwater
Last State InspectionFeb 2025
Also Mapped HereSANTA CLARA VALLEY WATER DISTRICT
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrate
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Dowdy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures