796 Gary St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 796 Gary St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1966
Lot Size	0.16 acres (6,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Dec 2025)
Tax Bill	$6,404 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`790-20-007`

Property Details

APN / Parcel Number

Primary APN	`790-20-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,984 sqft (0.16 acres)
Lot Dimensions	97 ft deep x 72 ft wide
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	796 GARY ST
City	GILROY
State	CA
Zip	95020-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3979 WRENHAVEN BOOK 195 PAGE 13 PAGE 14 LOT 11
Legal Subdivision	WRENHAVEN
Legal Tract	3979
Legal Lot Number	11
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512505

Owner

Source: Santa Clara County records, as of March 30, 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	796 GARY ST, GILROY, CA 95020-4004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Dec 19, 2025	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	202525921526
Prior Transfer Date	Oct 31, 2002
Prior Transfer Doc	0016584443
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	796 GARY ST, GILROY, CA 95020-4004
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	TITLE RSRC GROUP, TRGC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4796 GARY ST, GILROY, CA 95020

Mortgage

Document Number	0024809090
Date	Feb 1, 2021
Instrument	24809090

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 19, 2025
Property Address	796 GARY ST, GILROY, CA 95020-4004
Document Number	0025921526
Map Reference	MB 195 PG 13 & 14
Instrument Date	Dec 2, 2025
Instrument	25921526
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	796 GARY ST, GILROY, CA 95020-4004

Mortgage

Document Number	0025921527
Date	Dec 19, 2025
Instrument	25921527

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	796 GARY ST, GILROY, CA 95020-4004
Document Number	0024441460
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	796 GARY ST GILROY CA 950204004, GILROY, CA 95020-4004

Mortgage

Document Number	0024441460
Date	Mar 27, 2020
Instrument	24441460

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	796 GARY ST, GILROY, CA 95020-4004
Document Number	0023926954
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	796 GARY ST GILROY CA 950204004, GILROY, CA 95020-4004

Mortgage

Document Number	0023926954
Date	May 8, 2018
Instrument	23926954

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 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

Year	Tax Bill	Assessed Value
2025	$6,404.00 (+1.62%) Homeowner's exemption	$520,979 (+4.04%) Land $196,130 Building $324,849
2024	$6,302.00 (+0.62%)
2023	$6,263.00 (+1.69%) Homeowner's exemption	$500,751 Land $188,515 Building $312,236
2022	$6,159.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1995–2001)
Most Recent Claim	Jan 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 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 659 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, Verizon.

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