8431 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8431 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,495 sqft · built 1957
Lot Size	0.183 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Aug 2021)
Tax Bill	$10,809 (2025)
Deeds & Mortgages	Aug 2021 Transfer Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`790-30-018`

Property Details

APN / Parcel Number

Primary APN	`790-30-018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,495 sqft Living Area
1st Floor Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Architectural Style	Other
Construction Type	Wood
Lot Area	8,000 sqft (0.183 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	8431 CARMEL ST
City	GILROY
State	CA
Zip	95020-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 1784 LOT 48
Legal Subdivision	SHERWOOD PARK
Legal Tract	1784
Legal Lot Number	48
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 October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8431 CARMEL ST, GILROY, CA 95020-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Aug 17, 2021	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Apr 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Mar 21, 2018	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 21, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on Record
Deed Sale	Aug 17, 2021 · Amount on Record
Prior Sale	Aug 17, 2021
Deed Document Number	25067910
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 17, 2021
Property Address	8431 CARMEL ST, GILROY, CA 95020-4211
Document Number	0025067909
Map Reference	MB 71 PG 28&29
Instrument Date	Aug 11, 2021
Instrument	25067909
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	8431 CARMEL ST, GILROY, CA 95020-4211

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 17, 2021
Property Address	8431 CARMEL ST, GILROY, CA 95020-4211
Document Number	0025067910
Map Reference	MB 71 PG 28&29
Instrument Date	Aug 4, 2021
Instrument	25067910
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8431 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0025067911
Date	Aug 17, 2021
Instrument	25067911

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 23, 2020
Property Address	8431 CARMEL ST, GILROY, CA 95020-4211
Document Number	0024462832
Map Reference	MB 71 PG 28&29
Instrument Date	Apr 17, 2020
Instrument	24462832
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	TIMIOS TITLE A CA CORP

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	8431 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0024462833
Date	Apr 23, 2020
Instrument	24462833

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 21, 2018
Property Address	8431 CARMEL ST, GILROY, CA 95020-4211
Document Number	0023891872
Map Reference	MB71 PG28&29
Instrument Date	Mar 9, 2018
Instrument	23891872
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8431 CARMEL ST, GILROY, CA 95020-4211

Mortgage

Document Number	0023891873
Date	Mar 21, 2018
Instrument	23891873

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 21, 2018
Property Address	8431 CARMEL ST, GILROY, CA 95020-4211
Document Number	0023891871
Instrument Date	Mar 9, 2018
Instrument	23891871
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	8431 CARMEL ST GILROY CA 950204211, GILROY, CA 95020-4211

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 1, 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	$10,809.00 (+2.18%)	$875,495 (+4.04%) Land $350,198 Building $525,297
2023	$10,578.00 (+1.65%)	$841,500 Land $336,600 Building $504,900
2022	$10,406.00

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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