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8438 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8438 Carmel St, Gilroy, CA 95020

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,134 sqft · built 1958
Lot Size0.177 acres (7,700 sqft)
Owner2 Individual Names on Record
Last Sale$790,000 (Feb 2022)
Tax Bill$10,357 (2025)
Deeds & MortgagesMay 2024 Line of Credit
Feb 2022 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN790-30-043

Property Details

APN / Parcel Number

Primary APN790-30-043

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,134 sqft Living Area
1st Floor Area1,134 sqft

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1959
Architectural StyleL-Shape
Construction TypeWood
Lot Area7,700 sqft (0.177 acres)
Lot Dimensions110 ft deep x 70 ft wide
Garage Area506 sqft
Parking Spaces2 Parking Spaces
PorchPorch

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address8438 CARMEL ST
CityGILROY
StateCA
Zip95020-4212
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Subdivision1784 SHERWOOD PARK UN #1
Legal Lot Number38
JurisdictionSANTA CLARA CA
Township / Civil DivisionSOUTH SANTA CLARA VALLEY
Census Block Group2
Census Block2008
Census Tract512514

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 Record2 Individual Names on Record
Mailing Address2684 GLEN FERGUSON CIR, SAN JOSE, CA 95148-2537
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 3, 2024Deed of Trust, Mortgage · Line of Credit
SANTA CLARA COUNTY FCU
Feb 2, 2022Grant Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 2, 2022 · Amount on Record
Deed SaleFeb 2, 2022 · Amount on Record
Deed Document Number202225232788
Prior Transfer DateJan 26, 2022
Prior Transfer Doc0025232787
Record UpdatedSep 20, 2026

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CLARA CA
Property Address8438 CARMEL ST, GILROY, CA 95020-4212
Transaction TypeMortgage
Record UpdatedMay 20, 2024
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address8438 CARMEL ST, GILROY, CA 95020-4212

Mortgage

Document Number0025631793
DateMay 3, 2024
Instrument25631793
Lender
NameSANTA CLARA COUNTY FCU
TypeCredit Union
AddressPO BOX 11024, SAN JOSE, CA 95103
Agreement
TypeLine of Credit
AmountAmount Recorded
Term299 Months
DueApr 29, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CLARA CA
Recording DateFeb 2, 2022
Property Address8438 CARMEL ST, GILROY, CA 95020-4212
Document Number0025232788
Map ReferenceMB 86 PG 50
Instrument DateJan 26, 2022
Instrument25232788
Transaction TypeTransfer
Record UpdatedFeb 10, 2022
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address2684 GLEN FERGUSON CIR, SAN JOSE, CA 95148-2537

Mortgage

Document Number0025232789
DateFeb 2, 2022
Instrument25232789
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Clara County
MunicipalityGilroy City
Unified School DistrictGilroy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$815,000 (-2.79%) Land $325,900 Building $489,100
2025$10,357.00 (+2.19%)$838,352 (+4.04%) Land $335,341 Building $503,011
2023$10,135.00 (+2.25%)$805,800 Land $322,320 Building $483,480
2022$9,912.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot 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 RiskNot 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 SystemCITY OF GILROY
serves 59,426 people · EPA ID CA4310004
Water SourceGroundwater
Last State InspectionFeb 2025
Also Mapped HereSANTA CLARA VALLEY WATER DISTRICT
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrate
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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