8520 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8520 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,370 sqft · built 2004
Lot Size	0.148 acres (6,462 sqft)
Owner	2 Company Names on File
Last Sale	$427,000 (Jan 2026)
Tax Bill	$9,942 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Transfer + 11 more
Flood Zone	Zone X (moderate risk)
APN	`790-20-096`

Property Details

APN / Parcel Number

Primary APN	`790-20-096`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,370 sqft Living Area
1st Floor Area	1,427 sqft
2nd Floor Area	1,943 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	6,462 sqft (0.148 acres)
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8520 KERN AVE
City	GILROY
State	CA
Zip	95020-4089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 9511 LOT 2
Legal Subdivision	9511 WALNUT PARK
Legal Tract	9511
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1010
Census Tract	512505

Owner

8520 Kern Ave is owned by a company that bought it in January 2026.

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

Owner of Record	2 Company Names on File
Mailing Address	8520 KERN AVE, GILROY, CA 95020-4089
Owner Type	Company
Vesting	Life Tenant

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
Feb 25, 2026	Intrafamily Transfer, Transfer
Feb 27, 2026	Intrafamily Transfer, Transfer
Jan 20, 2026	Grant Deed, Transfer · Stand-Alone Second Mortgage MISSION LOANS LLC
Jan 23, 2024	Intrafamily Transfer, Transfer · Line of Credit CBC FCU
Sep 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2021	Intrafamily Transfer, Transfer CONSUMERS TITLE CO OF CA
Nov 19, 2020	Quit Claim Deed, Transfer AMROCK INC
Nov 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Jul 31, 2008 · Amount on File
Deed Document Number	202625932225
Prior Transfer Date	Jan 16, 2024
Prior Transfer Doc	0025589385
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 25, 2026
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025948441
Map Reference	MB 766 PG 1 - 3
Instrument Date	Feb 9, 2026
Instrument	25948441
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	8520 KERN AVE, GILROY, CA 95020-4089

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Feb 27, 2026
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025950106
Map Reference	MB 766 PG 1 - 3
Instrument Date	Feb 9, 2026
Instrument	25950106
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 KERN AVE, GILROY, CA 95020-4089

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 20, 2026
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025932225
Map Reference	MB 766 PG 1 - 3
Instrument Date	Nov 14, 2025
Instrument	25932225
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	MORTGAGE CONNECT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.70
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 KERN AVE, GILROY, CA 95020-4089

Mortgage

Document Number	0025932226
Date	Jan 20, 2026
Instrument	25932226

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Dec 1, 2045

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 23, 2024
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025589385
Map Reference	MB 766 PG 1-3
Instrument Date	Jan 16, 2024
Instrument	25589385
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL MCLPC

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	Joint Tenants
Address	8520 KERN AVE, GILROY, CA 95020-4089

Mortgage

Document Number	0025589386
Date	Jan 23, 2024
Instrument	25589386

Lender

Name	CBC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 10, 2021
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025095643
Map Reference	MB 766 PG 1-3
Instrument Date	Sep 5, 2021
Instrument	25095643
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	CONSUMER'S TITLE COMPANY/CA, CONSUMERS TITLE CO OF CA

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	Joint Tenants
Address	8520 KERN AVE, GILROY, CA 95020-4089

Mortgage

Document Number	0025095644
Date	Sep 10, 2021
Instrument	25095644

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 10, 2021
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0025095645
Map Reference	MB 766 PG 1-3
Instrument Date	Sep 5, 2021
Instrument	25095645
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CONSUMERS TITLE CO OF CA

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	Living Trust
Address	8520 KERN AVE, GILROY, CA 95020-4089

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 19, 2020
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0024714868
Instrument Date	Nov 2, 2020
Instrument	24714868
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 19, 2020
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0024714866
Map Reference	MB 766 PG 1-3
Instrument Date	Nov 2, 2020
Instrument	24714866
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	AMROCK LLC

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	8520 KERN AVE, GILROY, CA 95020-4089

Mortgage

Document Number	0024714867
Date	Nov 19, 2020
Instrument	24714867

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0024399687
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

Mortgage

Document Number	0024399687
Date	Feb 10, 2020
Instrument	24399687

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0024153537
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

Mortgage

Document Number	0024153537
Date	Apr 11, 2019
Instrument	24153537

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 5, 2017
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0023690397
Instrument Date	Jun 27, 2017
Instrument	23690397
Transaction Type	Transfer
Record Updated	Jul 11, 2017

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
Address	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 5, 2017
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0023690398
Instrument Date	Jun 27, 2017
Instrument	23690398
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 5, 2017
Property Address	8520 KERN AVE, GILROY, CA 95020-4089
Document Number	0023690396
Instrument Date	Jun 27, 2017
Instrument	23690396
Transaction Type	Transfer
Record Updated	Jul 11, 2017

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	8520 KERN AVE GILROY CA 950204089, GILROY, CA 95020-4089

Tax Assessment & Valuation

The 2025 property tax bill for 8520 Kern Ave was $9,942.

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		$827,499 (+2%) Land $328,371 Building $499,128
2025	$9,942.00 Homeowner's exemption	$811,275 Land $321,933 Building $489,342
2023	$9,726.00 (+1.68%) Homeowner's exemption	$779,775 Land $309,433 Building $470,342
2022	$9,565.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 8520 Kern Ave in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1995–2001)
Most Recent Claim	Jan 2001 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 8520 Kern Ave 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 714 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: GeoLinks, Verizon.

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