7550 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7550 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,558 sqft · built 1947
Lot Size	0.248 acres (10,780 sqft)
Owner	Individual Name on File
Last Sale	$271,500 (Mar 2021)
Tax Bill	$8,455 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Aug 2022 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`799-19-033`

Property Details

APN / Parcel Number

Primary APN	`799-19-033`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
Gross Area	1,408 sqft
1st Floor Area	1,408 sqft
Family Room	Family Room

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	10,780 sqft (0.248 acres)
Lot Dimensions	140 ft deep x 77 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	7550 CARMEL ST
City	GILROY
State	CA
Zip	95020-5733
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	2
Legal Lot Number	13-14
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1024
Census Tract	512511

Owner

7550 Carmel St is owned and occupied by an individual who acquired it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	7550 CARMEL ST, GILROY, CA 95020-5733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Apr 30, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KIND LENDING LLC
Aug 16, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Mar 10, 2021	Grant Deed, Transfer · Conventional Mortgage ONE AMERICAN BANK
Jun 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FREMONT BANK
May 19, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
May 19, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on File
Deed Sale	Mar 10, 2021 · Amount on File
Prior Sale	Apr 9, 2015 · Amount on File
Deed Document Number	202124867051
Last Transfer Date	Apr 25, 2024
Transfer Doc	0025629786
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7550 CARMEL ST, GILROY, CA 95020-5733

Mortgage

Document Number	0025629787
Date	Apr 30, 2024
Instrument	25629787

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	4 HUTTON CENTRE DR STE 1000, SANTA ANA, CA 92707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7550 CARMEL ST, GILROY, CA 95020-5733

Mortgage

Document Number	0025358904
Date	Aug 16, 2022
Instrument	25358904

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024480398
Date	May 15, 2020
Instrument	24480398

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 10, 2021
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Document Number	0024867051
Map Reference	MB P PG 45
Instrument Date	Mar 3, 2021
Instrument	24867051
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount 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	7550 CARMEL ST, GILROY, CA 95020-5733

Mortgage

Document Number	0024867052
Date	Mar 10, 2021
Instrument	24867052

Lender

Name	ONE AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 12, 2019
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Document Number	0024201141
Map Reference	MB P PG 45
Instrument Date	Jun 6, 2019
Instrument	24201141
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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
Relationship	Joint Tenants
Address	7550 CARMEL ST, GILROY, CA 95020-5733

Mortgage

Document Number	0024201142
Date	Jun 12, 2019
Instrument	24201142

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 19, 2017
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Document Number	0023654053
Instrument Date	May 11, 2017
Instrument	23654053
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7550 CARMEL ST GILROY CA 950205733, GILROY, CA 95020-5733

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 19, 2017
Property Address	7550 CARMEL ST, GILROY, CA 95020-5733
Document Number	0023654054
Instrument Date	May 11, 2017
Instrument	23654054
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7550 CARMEL ST GILROY CA 950205733, GILROY, CA 95020-5733

Mortgage

Document Number	23654055
Date	May 19, 2017
Instrument	23654055

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 7550 Carmel St was $8,455.

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		$695,943 (+2%) Land $466,403 Building $229,540
2025	$8,455.00	$682,298 Land $457,258 Building $225,040
2023	$8,274.00 (+1.67%)	$655,805 Land $439,503 Building $216,302
2022	$8,138.00

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

Flood

FEMA maps place 7550 Carmel 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 7550 Carmel 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 578 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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