8540 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8540 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,085 sqft · built 2002
Lot Size	0.372 acres (16,200 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jul 2003)
Tax Bill	$10,969 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`790-20-068`

Property Details

APN / Parcel Number

Primary APN	`790-20-068`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,085 sqft Living Area
1st Floor Area	3,085 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	16,200 sqft (0.372 acres)
Lot Dimensions	270 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	8540 KERN AVE
City	GILROY
State	CA
Zip	95020-4037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MAP H PG 5 PART OF LOT 21
Legal Subdivision	WILLARD AVE CONDO
Legal Lot Number	21
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1009
Census Tract	512505

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	Individual Name on Record
Mailing Address	8526 EMERSON CT, GILROY, CA 95020-3845
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2003 · Amount on Record
Deed Sale	Jul 3, 2003 · Amount on Record
Prior Sale	Sep 24, 1999 · Amount on Record
Deed Document Number	200317158623
Prior Transfer Date	Jun 24, 2003
Prior Transfer Doc	0017158622
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8540 KERN AVE, GILROY, CA 95020-4037
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8526 EMERSON CT, GILROY, CA 95020-3845

Mortgage

Document Number	0025888528
Date	Oct 22, 2025
Instrument	25888528

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8540 KERN AVE, GILROY, CA 95020-4037
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8526 EMERSON CT, GILROY, CA 95020-3845

Mortgage

Document Number	0024932429
Date	Apr 22, 2021
Instrument	24932429

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

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		$906,375 (+2%) Land $435,061 Building $471,314
2025	$10,969.00 (+2.18%)	$888,604 (+4.04%) Land $426,531 Building $462,073
2023	$10,735.00 (+1.66%)	$854,100 Land $409,969 Building $444,131
2022	$10,560.00

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 · 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

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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