7551 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7551 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,630 sqft · built 1930
Lot Size	0.168 acres (7,315 sqft)
Owner	Individual Name on Record
Last Sale	$452,000 (Jan 2018)
Tax Bill	$6,323 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`799-19-004`

Property Details

APN / Parcel Number

Primary APN	`799-19-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
1st Floor Area	1,198 sqft
2nd Floor Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	7,315 sqft (0.168 acres)
Lot Dimensions	133 ft deep x 55 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	7551 CARMEL ST
City	GILROY
State	CA
Zip	95020-5732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	JAS A CLAYTON & COS ADD
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1023
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	Individual Name on Record
Mailing Address	7551 CARMEL ST, GILROY, CA 95020-5732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 7, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 2, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY
May 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2018 · Amount on Record
Deed Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	201823840411
Prior Transfer Date	May 3, 2017
Prior Transfer Doc	0023644744
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7551 CARMEL ST, GILROY, CA 95020-5732
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7551 CARMEL ST, GILROY, CA 95020-5732

Mortgage

Document Number	0024950520
Date	May 6, 2021
Instrument	24950520

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7551 CARMEL ST, GILROY, CA 95020-5732
Document Number	0024573275
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7551 CARMEL ST GILROY CA 950205732, GILROY, CA 95020-5732

Mortgage

Document Number	0024573275
Date	Aug 12, 2020
Instrument	24573275

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 2, 2018
Property Address	7551 CARMEL ST, GILROY, CA 95020-5732
Document Number	0023840411
Instrument Date	Dec 26, 2017
Instrument	23840411
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$497.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7551 CARMEL ST GILROY CA 950205732, GILROY, CA 95020-5732

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 10, 2017
Property Address	7551 CARMEL ST, GILROY, CA 95020-5732
Document Number	0023644744
Instrument Date	May 3, 2017
Instrument	23644744
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	PO BOX 1902 GILROY CA 950211902, GILROY, CA 95021-1902

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		$524,579 (+2%) Land $406,202 Building $118,377
2025	$6,323.00 (+2.26%) Homeowner's exemption	$514,294 (+4.04%) Land $398,238 Building $116,056
2023	$6,183.00 (+1.69%) Homeowner's exemption	$494,325 Land $382,775 Building $111,550
2022	$6,080.00

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 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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