8197 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8197 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1952
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Company Names on Record
Tax Bill	$640 (2025)
Deeds & Mortgages	Nov 2023 Transfer Sep 2023 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`790-31-034`

Property Details

APN / Parcel Number

Primary APN	`790-31-034`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1952
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	8197 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 15
Legal Subdivision	WAYLAND LANE TR
Legal Tract	971
Legal Lot Number	15
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1024
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	8197 CARMEL ST, GILROY, CA 95020-4308
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Intrafamily Transfer, Transfer
Sep 21, 2023	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 16, 2021	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 17, 2018	Quit Claim Deed, Transfer · FHA Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2023
Deed Sale	Sep 21, 2023
Deed Document Number	202325534042
Prior Transfer Date	Feb 27, 2018
Prior Transfer Doc	0025534042
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 15, 2023
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0025559309
Map Reference	MB 36 PG 17
Instrument Date	Nov 13, 2023
Instrument	25559309
Transaction Type	Transfer
Record Updated	Dec 4, 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	8197 CARMEL ST, GILROY, CA 95020-4308

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 21, 2023
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0025534042
Map Reference	MB 36 PG 17
Instrument Date	Sep 13, 2023
Instrument	25534042
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

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
Address	8197 CARMEL ST, GILROY, CA 95020-4308

Mortgage

Document Number	0025534043
Date	Sep 21, 2023
Instrument	25534043

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 16, 2021
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0025197502
Map Reference	MB 36 PG 17
Instrument Date	Dec 10, 2021
Instrument	25197502
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

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
Address	8197 CARMEL ST, GILROY, CA 95020-4308

Mortgage

Document Number	0025197503
Date	Dec 16, 2021
Instrument	25197503

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0024094210
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8197 CARMEL ST GILROY CA 950204308, GILROY, CA 95020-4308

Mortgage

Document Number	0024094210
Date	Jan 9, 2019
Instrument	24094210

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 6, 2018
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0023881421
Instrument Date	Feb 27, 2018
Instrument	23881421
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 6, 2018
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0023881422
Instrument Date	Feb 27, 2018
Instrument	23881422
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8197 CARMEL ST GILROY CA 950204308, GILROY, CA 95020-4308

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 17, 2018
Property Address	8197 CARMEL ST, GILROY, CA 95020-4308
Document Number	0023849424
Instrument Date	Jan 3, 2018
Instrument	23849424
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8197 CARMEL ST GILROY CA 950204308, GILROY, CA 95020-4308

Mortgage

Document Number	23849425
Date	Jan 17, 2018
Instrument	23849425

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2048

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		$48,948 (+2%) Land $19,053 Building $29,895
2025	$640.00 (+2.89%) Homeowner's exemption	$47,989 (+4.04%) Land $18,680 Building $29,309
2023	$622.00 (+2.3%) Homeowner's exemption	$46,127 Land $17,955 Building $28,172
2022	$608.00

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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