8107 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8107 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,268 sqft · built 1953
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Company Names on Record
Tax Bill	$818 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`790-31-035`

Property Details

APN / Parcel Number

Primary APN	`790-31-035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	8107 CARMEL ST
City	GILROY
State	CA
Zip	95020-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 971 WAYLAND LANE TRACT BOOK 36 PAGE 17 LOT 7
Legal Subdivision	WAYLAND LANE TR
Legal Tract	971
Legal Lot Number	7
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1029
Census Tract	512513

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	2 Company Names on Record
Mailing Address	8107 CARMEL ST, GILROY, CA 95020-4308
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 24, 2021	Intrafamily Transfer, Transfer
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 19, 2021
Transfer Doc	0025076515
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8107 CARMEL ST, GILROY, CA 95020-4308
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 MORRO COVE RD, MORRO BAY, CA 93442-2583

Mortgage

Document Number	0025910921
Date	Dec 1, 2025
Instrument	25910921

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2065

Interest

Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 24, 2021
Property Address	8107 CARMEL ST, GILROY, CA 95020-4308
Document Number	0025076515
Map Reference	MB 36 PG 17
Instrument Date	Jul 19, 2021
Instrument	25076515
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8107 CARMEL ST, GILROY, CA 95020-4308

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8107 CARMEL ST, GILROY, CA 95020-4308
Document Number	0024003646
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8107 CARMEL ST GILROY CA 950204308, GILROY, CA 95020-4308

Mortgage

Document Number	0024003646
Date	Aug 15, 2018
Instrument	24003646

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 14, 2058

Interest

Rate Type	Adjustable Rate

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		$56,753 (+2%) Land $19,053 Building $37,700
2025	$818.00 (+2.25%)	$55,641 (+4.04%) Land $18,680 Building $36,961
2023	$800.00 (+1.91%)	$53,482 Land $17,955 Building $35,527
2022	$785.00

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

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

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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