7815 Dickens Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 7815 Dickens Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,497 sqft · built 2005
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$607,000 (Mar 2006)
Tax Bill	$10,243 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`808-45-039`

Property Details

APN / Parcel Number

Primary APN	`808-45-039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,497 sqft Living Area
1st Floor Area	600 sqft
2nd Floor Area	897 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,000 sqft (0.069 acres)
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	7815 DICKENS WAY
City	GILROY
State	CA
Zip	95020-5541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C3
Legal Description	TRACT 9595 LOT 103
Legal Subdivision	9595 OAK COMMONS SUB
Legal Tract	9595
Legal Lot Number	103
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2004
Census Tract	512511

Owner

7815 Dickens Way is owned and occupied by two individuals who bought it in March 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2006 · Amount on File
Deed Sale	Mar 30, 2006 · Amount on File
Deed Document Number	200618868093
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 DICKENS WAY, GILROY, CA 95020-5541

Mortgage

Document Number	0025964406
Date	Mar 30, 2026
Instrument	25964406

Lender

Name	SOFI BANK NA
Type	Bank
Address	2750 E COTTONWOOD PKWY STE 300, COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 DICKENS WAY, GILROY, CA 95020-5541

Mortgage

Document Number	0025091303
Date	Sep 8, 2021
Instrument	25091303

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024123564
Date	Feb 27, 2019
Instrument	24123564

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ATLANTA, GA 30328

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024353756
Date	Dec 10, 2019
Instrument	24353756

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ATLANTA, GA 30328

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	7815 DICKENS WAY, GILROY, CA 95020-5541
Document Number	0024279350
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7815 DICKENS WAY GILROY CA 950205541, GILROY, CA 95020-5541

Mortgage

Document Number	0024279350
Date	Sep 12, 2019
Instrument	24279350

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 7815 Dickens Way was $10,243, up 1.6% from the year before.

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		$845,571 (+2%) Land $465,000 Building $380,571
2025	$10,243.00 (+1.6%)	$828,992 Land $455,883 Building $373,109
2024	$10,082.00 (+4.03%)
2023	$9,691.00 (-1.71%)	$770,000 Land $423,400 Building $346,600
2022	$9,860.00

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

Flood

FEMA maps place 7815 Dickens Way 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 7815 Dickens Way 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 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, T-Mobile, Verizon.

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