7581 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7581 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,662 sqft · built 1930
Lot Size	0.211 acres (9,177 sqft)
Owner	2 Company Names on Record
Last Sale	$1,225,000 (Jun 2026)
Tax Bill	$12,734 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jun 2026 Sale + 4 more
Flood Zone	Zone X (moderate risk)
APN	`799-19-001`

Property Details

APN / Parcel Number

Primary APN	`799-19-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	9,177 sqft (0.211 acres)
Lot Dimensions	133 ft deep x 69 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	7581 CARMEL ST
City	GILROY
State	CA
Zip	95020-5732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	JAMES A CLAYTON & COS ADD
Legal Block	2
Legal Lot Number	1,2
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 August 6, 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	8103 CRESTVIEW CT, GILROY, CA 95020-9421
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Jun 23, 2026	Grant Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jun 23, 2026	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Apr 30, 2026	Grant Deed, Transfer · Construction Mortgage CROSSCOUNTRY MORTGAGE
Jul 11, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2026 · Amount on Record
Deed Sale	Jun 23, 2026 · Amount on Record
Prior Sale	Jul 11, 2023 · Amount on Record
Deed Document Number	202626007198
Prior Transfer Date	Apr 23, 2026
Prior Transfer Doc	0025980839
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 19, 2026
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Document Number	0026066177
Instrument Date	Oct 13, 2026
Instrument	202626066177
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	7581 CARMEL ST, GILROY, CA 95020-5732

Mortgage

Document Number	0026066177,
Date	Oct 19, 2026
Instrument	202626066177

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 23, 2026
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Document Number	0026007197
Instrument Date	Jun 10, 2026
Instrument	202626007197
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	8103 CRESTVIEW CT, GILROY, CA 95020-9421

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jun 23, 2026
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Document Number	0026007198
Instrument Date	Jun 10, 2026
Instrument	202626007198
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,097.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	8103 CRESTVIEW CT, GILROY, CA 95020-9421

Mortgage

Document Number	0026007198,
Date	Jun 23, 2026
Instrument	202626007198

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 30, 2026
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Document Number	0025980839
Instrument Date	Apr 23, 2026
Instrument	202625980839
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7581 CARMEL ST, GILROY, CA 95020-5732

Mortgage

Document Number	0025980840,
Date	Apr 30, 2026
Instrument	202625980840

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Sep 1, 2026

Interest

Rate	6.22%
Max Rate	-1%

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 11, 2023
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Document Number	0025499009
Map Reference	MB V PG 23-26
Instrument Date	Jun 26, 2023
Instrument	25499009
Transaction Type	Transfer
Record Updated	Jul 21, 2023
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
Relationship	Living Trust
Address	7581 CARMEL ST, GILROY, CA 95020-5732

Mortgage

Document Number	0025499010
Date	Jul 11, 2023
Instrument	25499010

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7581 CARMEL ST, GILROY, CA 95020-5732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7581 CARMEL ST, GILROY, CA 95020-5732

Mortgage

Document Number	0024701694
Date	Nov 13, 2020
Instrument	24701694

Lender

Name	PLANET HOME LENDING LLC
Type	Lending Institution
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$940,000 (-9.65%) Land $376,000 Building $564,000
2025	$12,734.00 (+1.61%)	$1,040,400 (+66.83%) Land $416,160 Building $624,240
2024	$12,532.00 (+60.91%)
2023	$7,788.00 (+1.68%) Homeowner's exemption	$623,639 (+2%) Land $313,210 Building $310,429
2022	$7,659.00 Homeowner's exemption	$611,412 Land $307,069 Building $304,343

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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