786 Alder St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 786 Alder St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,552 sqft · built 1996
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$231,500 (Aug 1996)
Tax Bill	$4,648 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone D (undetermined)
APN	`808-39-025`

Property Details

APN / Parcel Number

Primary APN	`808-39-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,920 sqft (0.09 acres)
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	786 ALDER ST
City	GILROY
State	CA
Zip	95020-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 8728 LOT 25
Legal Subdivision	THE VINEYARDS
Legal Tract	8728
Legal Lot Number	25
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1028
Census Tract	512509

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	Company Name on Record
Mailing Address	786 ALDER ST, GILROY, CA 95020-3408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 27, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 1996 · Amount on Record
Deed Sale	Aug 30, 1996 · Amount on Record
Deed Document Number	199613426446
Last Transfer Date	Apr 7, 2016
Transfer Doc	0023275401
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	786 ALDER ST, GILROY, CA 95020-3408
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024361860
Date	Dec 19, 2019
Instrument	24361860

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	786 ALDER ST, GILROY, CA 95020-3408
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024489164
Date	May 27, 2020
Instrument	24489164

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 13, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	786 ALDER ST, GILROY, CA 95020-3408
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 ALDER ST, GILROY, CA 95020-3408

Mortgage

Document Number	0025191142
Date	Dec 10, 2021
Instrument	25191142

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

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		$384,451 (+2%) Land $99,660 Building $284,791
2025	$4,648.00 (+2.27%) Homeowner's exemption	$376,913 (+4.04%) Land $97,706 Building $279,207
2023	$4,545.00 (+1.72%) Homeowner's exemption	$362,279 Land $93,913 Building $268,366
2022	$4,468.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	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: GeoLinks, Verizon.

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