8417 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8417 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 1957
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,060,000 (Nov 2024)
Tax Bill	$13,058 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-30-021`

Property Details

APN / Parcel Number

Primary APN	`790-30-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	1,544 sqft
1st Floor Area	1,544 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	8417 CARMEL ST
City	GILROY
State	CA
Zip	95020-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 1784 SHERWOOD PARK BOOK 71 PAGE 28 PAGE 29 LOT 45
Legal Subdivision	SHERWOOD PARK
Legal Tract	1784
Legal Lot Number	45
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2007
Census Tract	512514

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 Individual Names on Record
Mailing Address	8417 CARMEL ST, GILROY, CA 95020-4211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage CEFCU
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit SANTA CLARA COUNTY FCU
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC HORIZON BANCORP
Jun 25, 2019	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP
Jun 18, 2020	Deed of Trust, Mortgage · Conventional with PMI PACIFIC HORIZON BANCORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Prior Sale	Sep 18, 2015 · Amount on Record
Deed Document Number	202425730788
Prior Transfer Date	Aug 25, 2015
Prior Transfer Doc	0023075195
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8417 CARMEL ST, GILROY, CA 95020-4211
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0025894222
Date	Nov 3, 2025
Instrument	25894222

Lender

Name	CEFCU
Type	Credit Union
Address	PO BOX 1715, PEORIA, IL 61656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8417 CARMEL ST, GILROY, CA 95020-4211
Transaction Type	Mortgage
Record Updated	Oct 5, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0025535190
Date	Sep 25, 2023
Instrument	25535190

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8417 CARMEL ST, GILROY, CA 95020-4211
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0024891867
Date	Mar 25, 2021
Instrument	24891867

Lender

Name	PACIFIC HORIZON BANCORP
Type	Mortgage Company
Address	LA CRESCENTA, CA 91214

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8417 CARMEL ST, GILROY, CA 95020-4211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024210242
Date	Jun 25, 2019
Instrument	24210242

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8417 CARMEL ST, GILROY, CA 95020-4211
Document Number	0024518762
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8417 CARMEL ST GILROY CA 950204211, GILROY, CA 95020-4211

Mortgage

Document Number	0024518762
Date	Jun 26, 2020
Instrument	24518762

Lender

Name	PACIFIC HORIZON BANCORP
Type	Bank
Address	LA CRESCENTA, CA 91214

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

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		$1,081,200 (+2%) Land $432,480 Building $648,720
2025	$13,058.00 (+46.88%)	$1,060,000 (+50.26%) Land $424,000 Building $636,000
2023	$8,890.00 (+1.66%)	$705,449 Land $284,456 Building $420,993
2022	$8,745.00

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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