7440 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7440 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,280 sqft · built 1947
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Company Names on Record
Last Sale	$840,000 (Jan 2022)
Tax Bill	$10,918 (2025)
Deeds & Mortgages	Oct 2026 Sale Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`799-18-017`

Property Details

APN / Parcel Number

Primary APN	`799-18-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
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	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	7440 CARMEL ST
City	GILROY
State	CA
Zip	95020-5731
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	16
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 October 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	7440 CARMEL ST, GILROY, CA 95020-5731
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 7, 2022	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Prior Sale	Aug 31, 2001 · Amount on Record
Deed Document Number	202225214007
Prior Transfer Date	Aug 23, 2004
Prior Transfer Doc	0017980135
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 14, 2026
Property Address	7440 CARMEL ST, GILROY, CA 95020-5731
Document Number	0026064670
Instrument Date	Oct 11, 2026
Instrument	202626064670
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	7440 CARMEL ST, GILROY, CA 95020-5731

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 7, 2022
Property Address	7440 CARMEL ST, GILROY, CA 95020-5731
Document Number	0025214007
Map Reference	MB P PG 45
Instrument Date	Jan 3, 2022
Instrument	25214007
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	7440 CARMEL ST, GILROY, CA 95020-5731

Mortgage

Document Number	0025214008
Date	Jan 7, 2022
Instrument	25214008

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7440 CARMEL ST, GILROY, CA 95020-5731
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7440 CARMEL ST, GILROY, CA 95020-5731

Mortgage

Document Number	0024829682
Date	Feb 12, 2021
Instrument	24829682

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

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		$820,000 (-8.01%) Land $328,000 Building $492,000
2025	$10,918.00 (+2.22%) Homeowner's exemption	$891,413 (+4.04%) Land $356,565 Building $534,848
2023	$10,681.00 (+97.91%) Homeowner's exemption	$856,800 Land $342,720 Building $514,080
2022	$5,397.00

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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