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786 Gary St, Gilroy, CA 95020 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,777 sqft · built 1965
Lot Size0.156 acres (6,800 sqft)
Owner2 Company Names on Record
Tax Bill$3,331 (2025)
Deeds & MortgagesDec 2025 Transfer
Apr 2021 Mortgage
Flood ZoneZone X (moderate risk)
APN790-20-009

Property Details

APN / Parcel Number

Primary APN790-20-009

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,777 sqft Living Area
1st Floor Area1,777 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleCustom Design
Exterior MaterialStucco
Construction TypeWood
Roof MaterialWood Shingle
Lot Area6,800 sqft (0.156 acres)
Lot Dimensions100 ft deep x 68 ft wide
Garage Area485 sqft
Parking Spaces2 Parking Spaces
PorchPorch

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address786 GARY ST
CityGILROY
StateCA
Zip95020-4004
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionTRACT 3979 WRENHAVEN BOOK 195 PAGE 13 PAGE 14 LOT 9
Legal SubdivisionWRENHAVEN
Legal Tract3979
Legal Lot Number9
JurisdictionSANTA CLARA CA
Township / Civil DivisionSOUTH SANTA CLARA VALLEY
Census Block Group1
Census Block1009
Census Tract512505

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on Record
Mailing Address786 GARY ST, GILROY, CA 95020-4004
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 4, 2025Intrafamily Transfer, Transfer
Apr 15, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateSep 14, 2025
Transfer Doc0025913779
Record UpdatedSep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CLARA CA
Recording DateDec 4, 2025
Property Address786 GARY ST, GILROY, CA 95020-4004
Document Number0025913779
Map ReferenceMB 195 PG 13 & 14
Instrument DateSep 14, 2025
Instrument25913779
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address786 GARY ST, GILROY, CA 95020-4004

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address786 GARY ST, GILROY, CA 95020-4004
Transaction TypeMortgage
Record UpdatedApr 23, 2021
Title CompanyTICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address786 GARY ST, GILROY, CA 95020-4004

Mortgage

Document Number0024922640
DateApr 15, 2021
Instrument24922640
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2051

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityGilroy City
Unified School DistrictGilroy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$274,179 (+2%) Land $91,385 Building $182,794
2025$3,331.00 (+2.33%) Homeowner's exemption$268,804 (+4.04%) Land $89,594 Building $179,210
2023$3,255.00 (+1.75%) Homeowner's exemption$258,368 Land $86,116 Building $172,252
2022$3,199.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1995–2001)
Most Recent ClaimJan 2001 · rainfall accumulation

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 RiskNot 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 SystemCITY OF GILROY
serves 59,426 people · EPA ID CA4310004
Water SourceGroundwater
Last State InspectionFeb 2025
Also Mapped HereSANTA CLARA VALLEY WATER DISTRICT
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrate
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 659 locations within half a mile, as of December 31, 2025

ProviderMax 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, Verizon.

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