7650 Dowdy St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7650 Dowdy St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,467 sqft · built 1972
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,500 (Oct 2009)
Tax Bill	$5,920 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit May 2022 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`799-05-038`

Property Details

APN / Parcel Number

Primary APN	`799-05-038`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,467 sqft Living Area
1st Floor Area	1,467 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
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	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	7650 DOWDY ST
City	GILROY
State	CA
Zip	95020-5010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 3 LOT 15
Legal Subdivision	MILLER & LUX WESTERN ADD
Legal Block	3
Legal Lot Number	15
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1008
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	2 Individual Names on Record
Mailing Address	7650 DOWDY ST, GILROY, CA 95020-5010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 13, 2022	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Sep 25, 2019	Quit Claim Deed, Transfer QUICKEN LNS
Jun 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANSTAR HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2009 · Amount on Record
Deed Sale	Oct 16, 2009 · Amount on Record
Deed Document Number	200920468988
Last Transfer Date	Sep 19, 2019
Transfer Doc	0024289145
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7650 DOWDY ST, GILROY, CA 95020-5010
Transaction Type	Mortgage
Record Updated	Oct 9, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7650 DOWDY ST, GILROY, CA 95020-5010

Mortgage

Document Number	0025536373
Date	Sep 28, 2023
Instrument	25536373

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7650 DOWDY ST, GILROY, CA 95020-5010
Transaction Type	Mortgage
Record Updated	May 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7650 DOWDY ST, GILROY, CA 95020-5010

Mortgage

Document Number	0025302484
Date	May 13, 2022
Instrument	25302484

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 25, 2019
Property Address	7650 DOWDY ST, GILROY, CA 95020-5010
Document Number	0024289145
Instrument Date	Sep 19, 2019
Instrument	24289145
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	7650 DOWDY ST GILROY CA 950205010, GILROY, CA 95020-5010

Mortgage

Document Number	24289146
Date	Sep 25, 2019
Instrument	24289146

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7650 DOWDY ST, GILROY, CA 95020-5010
Document Number	0023970215
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7650 DOWDY ST GILROY CA 950205010, GILROY, CA 95020-5010

Mortgage

Document Number	0023970215
Date	Jul 5, 2018
Instrument	23970215

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7650 DOWDY ST, GILROY, CA 95020-5010
Document Number	0023865980
Instrument Date	Feb 3, 2018
Transaction Type	Mortgage
Record Updated	Feb 19, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	7650 DOWDY ST GILROY CA 950205010, GILROY, CA 95020-5010

Mortgage

Document Number	0023865980
Date	Feb 12, 2018
Instrument	23865980

Lender

Name	LOANSTAR HM LNDG
Address	PORTLAND, OR 97223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 11, 2033

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		$483,781 (+2%) Land $265,952 Building $217,829
2025	$5,920.00 (+2.19%)	$474,296 (+4.04%) Land $260,738 Building $213,558
2023	$5,793.00 (+1.67%)	$455,880 Land $250,614 Building $205,266
2022	$5,698.00

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.

Nearby Properties on Dowdy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures