7570 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7570 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,710 sqft · built 1949
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Tax Bill	$5,130 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`799-19-035`

Property Details

APN / Parcel Number

Primary APN	`799-19-035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	1,878 sqft
1st Floor Area	1,710 sqft
Basement Area	168 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7570 CARMEL ST
City	GILROY
State	CA
Zip	95020-5733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	MILLER & LUX WESTERN ADD
Legal Block	2
Legal Lot Number	11
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1024
Census Tract	512511

Owner

7570 Carmel St is owned and occupied by an individual who acquired it in March 2001.

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

Owner of Record	Individual Name on File
Mailing Address	7570 CARMEL ST, GILROY, CA 95020-5733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Jan 9, 2019	Deed of Trust, Mortgage · Line of Credit FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 1994
Deed Sale	Jan 25, 1994
Prior Sale	Nov 10, 1993 · Amount on File
Deed Document Number	199412327432
Deed Book / Page	266 / 804
Last Transfer Date	Mar 23, 2001
Transfer Doc	0015611395
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7570 CARMEL ST, GILROY, CA 95020-5733
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7570 CARMEL ST, GILROY, CA 95020-5733

Mortgage

Document Number	0024842977
Date	Feb 23, 2021
Instrument	24842977

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7570 CARMEL ST, GILROY, CA 95020-5733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024094355
Date	Jan 9, 2019
Instrument	24094355

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 7570 Carmel St was $5,130 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		$424,723 (+2%) Land $173,354 Building $251,369
2025	$5,130.00 Homeowner's exemption	$416,396 Land $169,955 Building $246,441
2023	$5,016.00 (+1.72%) Homeowner's exemption	$400,228 Land $163,356 Building $236,872
2022	$4,931.00

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

Flood

FEMA maps place 7570 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 7570 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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