7721 Sumac Pl, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7721 Sumac Pl, Gilroy, CA 95020 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,182 sqft · built 2016
Lot Size	0.09 acres (3,934 sqft)
Owner	Individual Name on File
Last Sale	$1,040,000 (Aug 2023)
Tax Bill	$14,279 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2025 Mortgage + 7 more
Flood Zone	Zone D (undetermined)
APN	`810-84-038`

Property Details

APN / Parcel Number

Primary APN	`810-84-038`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,182 sqft Living Area
1st Floor Area	1,032 sqft
2nd Floor Area	1,150 sqft

Exterior

Year Built	Built 2016
Architectural Style	Other
Construction Type	Wood
Lot Area	3,934 sqft (0.09 acres)
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	7721 SUMAC PL
City	GILROY
State	CA
Zip	95020-2684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 10220 LOT 154
Legal Subdivision	10220 HECKER PASS
Legal Tract	10220
Legal Lot Number	154
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
Census Tract	512510

Owner

Source: Santa Clara County records · APN 810-84-038

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	7721 SUMAC PL, GILROY, CA 95020-2684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 22, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit 1ST UNITED SERVICES CU
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST UNITED CU
Apr 02, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 25, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST UNITED CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	25521097
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7721 SUMAC PL, GILROY, CA 95020-2684

Mortgage

Document Number	0025949328
Date	Feb 26, 2026
Instrument	25949328

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 01, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	Other
Max Rate	9.75%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7721 SUMAC PL, GILROY, CA 95020-2684

Mortgage

Document Number	0025920133
Date	Dec 17, 2025
Instrument	25920133

Lender

Name	CITIBANK NA
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Oct 08, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7721 SUMAC PL, GILROY, CA 95020-2684

Mortgage

Document Number	0025875786
Date	Sep 29, 2025
Instrument	25875786

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.62%
Max Rate At Change	10%
Index	Other
Max Rate	10%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 22, 2023
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Document Number	0025521097
Map Reference	MB 877 PG 21-42
Instrument Date	Aug 01, 2023
Instrument	25521097
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	7721 SUMAC PL, GILROY, CA 95020-2684

Mortgage

Document Number	0025521098
Date	Aug 22, 2023
Instrument	25521098

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 01, 2030
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	10.5%
Max Rate	10.5%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Sep 30, 2022
Title Company	MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7721 SUMAC PL, GILROY, CA 95020-2684

Mortgage

Document Number	0025374126
Date	Sep 19, 2022
Instrument	25374126

Lender

Name	1ST UNITED SERVICES CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025128209
Date	Oct 12, 2021
Instrument	25128209

Lender

Name	FIRST UNITED CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023900289
Date	Apr 02, 2018
Instrument	23900289

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024103446
Date	Jan 25, 2019
Instrument	24103446

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 25, 2034

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7721 SUMAC PL, GILROY, CA 95020-2684
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7721 ST1C PLACE, GILROY, CA 95020

Mortgage

Document Number	0024922466
Date	Apr 15, 2021
Instrument	24922466

Lender

Name	1ST UNITED CREDIT UNION
Type	Non-Lending Institution
Address	PLEASANTON, CA 94588

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Santa Clara County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

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

Year	Tax Bill	Assessed Value
2025	$14,279.00 (+34.44%) Homeowner's exemption	$1,060,800 (+41.76%) Land $530,400 Building $530,400
2023	$10,621.00 (+1.92%)	$748,294 Land $341,347 Building $406,947
2022	$10,421.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Clara County (06085C), updated January 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060855125101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D
Special Flood Hazard Area	No
Flood Hazard	Undetermined not studied
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1986–2023)
Most Recent Claim	Jan 2023, other causes, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 35
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Etheric Communications, LLC.	Fixed Wireless (licensed-by-rule)	250 / 100
Hankins Information Technology	Fixed Wireless (unlicensed)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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