8440 Carmel St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8440 Carmel St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,976 sqft · built 1958
Lot Size	0.233 acres (10,140 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Oct 2023)
Tax Bill	$13,192 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2023 Transfer
Flood Zone	Zone X (moderate risk)
APN	`790-30-044`

Property Details

APN / Parcel Number

Primary APN	`790-30-044`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	1,191 sqft
1st Floor Area	1,191 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,140 sqft (0.233 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	8440 CARMEL ST
City	GILROY
State	CA
Zip	95020-4212
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 37
Legal Subdivision	SHERWOOD PARK
Legal Tract	1784
Legal Lot Number	37
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	2
Census Block	2008
Census Tract	512514

Owner

8440 Carmel St is owned and occupied by an individual who bought it in October 2023.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	Individual Name on File
Mailing Address	8440 CARMEL ST, GILROY, CA 95020-4212
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Grant Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Oct 3, 2023	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on File
Deed Sale	Oct 3, 2023 · Amount on File
Deed Document Number	202325538720
Prior Transfer Date	Sep 26, 2023
Prior Transfer Doc	0025538719
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 3, 2023
Property Address	8440 CARMEL ST, GILROY, CA 95020-4212
Document Number	0025538720
Map Reference	MB 86 PG 50
Instrument Date	Sep 19, 2023
Instrument	25538720
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	8440 CARMEL ST, GILROY, CA 95020-4212

Mortgage

Document Number	0025538721
Date	Oct 3, 2023
Instrument	25538721

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 3, 2023
Property Address	8440 CARMEL ST, GILROY, CA 95020-4212
Document Number	0025538719
Map Reference	MB 86 PG 50
Instrument Date	Sep 19, 2023
Instrument	25538719
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	CHICAGO 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	6244 ROBIN AVE, LIVINGSTON, CA 95334-9300

Tax Assessment & Valuation

The 2025 property tax bill for 8440 Carmel St was $13,192 with a homeowner's exemption.

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		$955,000 (-10.83%) Land $382,000 Building $573,000
2025	$13,192.00	$1,071,000 Land $428,400 Building $642,600
2023	$2,337.00 (-2.46%) Disabled Person's exemption Veteran's exemption	$337,921 Land $82,773 Building $255,148
2022	$2,396.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 8440 Carmel St in Zone X, an area of moderate flood risk.

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

The area around 8440 Carmel St has no burnable land within ember reach, so its wildfire risk is not rated.

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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