8895 Kern Ave, Gilroy, CA 95020 Property Records

Santa Clara County property record for 8895 Kern Ave, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,838 sqft · built 2006
Lot Size	0.107 acres (4,672 sqft)
Owner	2 Individual Names on File
Last Sale	$523,000 (May 2020)
Tax Bill	$8,329 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2021 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`790-62-006`

Property Details

APN / Parcel Number

Primary APN	`790-62-006`
Alternative APN	`79004084`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,838 sqft Living Area
1st Floor Area	738 sqft
2nd Floor Area	1,100 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	4,672 sqft (0.107 acres)
Lot Dimensions	473 ft deep x 142 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8895 KERN AVE
City	GILROY
State	CA
Zip	95020-4028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A125
Legal Description	TRACT 9661 KERN AND MANTELLI BOOK 786 PAGE 44 PAGE 45 LOT 6
Legal Subdivision	KERN & MANTELLI
Legal Tract	9661
Legal Lot Number	6
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1019
Census Tract	512505

Owner

8895 Kern Ave is owned and occupied by two individuals who bought it in May 2020.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	8895 KERN AVE, GILROY, CA 95020-4028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit PREMIERONE CREDIT UNION
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PREMIERONE CU
May 22, 2020	Deed of Trust, Mortgage GUILD MTG
Jul 6, 2020	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
May 5, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE
May 5, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Prior Sale	Oct 27, 2016 · Amount on File
Deed Document Number	202024470761
Prior Transfer Date	Sep 15, 1993
Prior Transfer Doc	0012339433
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Recording Date	May 6, 2026
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Document Number	0025984164
Instrument Date	May 1, 2026
Instrument	202625984164
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	8895 KERN AVE, GILROY, CA 95020-4028

Mortgage

Document Number	0025984164,
Date	May 6, 2026
Instrument	202625984164

Lender

Name	PREMIERONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 31, 2056

Interest

Rate	6.46%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8895 KERN AVE, GILROY, CA 95020-4028

Mortgage

Document Number	0025090841
Date	Sep 7, 2021
Instrument	25090841

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8895 KERN AVE, GILROY, CA 95020-4028

Mortgage

Document Number	0025315603
Date	Jun 7, 2022
Instrument	25315603

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 20, 2042

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Document Number	0024491126
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	8895 KERN AVE GILROY CA 950204028, GILROY, CA 95020-4028

Mortgage

Document Number	0024491126
Date	May 29, 2020
Instrument	24491126

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 6, 2020
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Document Number	0024526239
Map Reference	MB 786 PG 44&45
Instrument Date	May 22, 2020
Instrument	24526239
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC 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
Relationship	Community Property with Right of Survivorship
Address	8895 KERN AVE, GILROY, CA 95020-4028

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 5, 2020
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Document Number	0024470761
Instrument Date	Apr 29, 2020
Instrument	24470761
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$575.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	8895 KERN AVE GILROY CA 950204028, GILROY, CA 95020-4028

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 5, 2020
Property Address	8895 KERN AVE, GILROY, CA 95020-4028
Document Number	0024470762
Instrument Date	Apr 29, 2020
Instrument	24470762
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	OLD REPUBLIC TITLE

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	8895 KERN AVE GILROY CA 950204028, GILROY, CA 95020-4028

Tax Assessment & Valuation

The 2025 property tax bill for 8895 Kern Ave was $8,329 with a homeowner's exemption, up 1.6% from the year before.

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		$692,513 (+2%) Land $380,823 Building $311,690
2025	$8,329.00 (+1.61%) Homeowner's exemption	$678,935 Land $373,356 Building $305,579
2024	$8,197.00 (+0.61%)
2023	$8,147.00 (+1.68%) Homeowner's exemption	$652,573 Land $358,859 Building $293,714
2022	$8,012.00

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

Flood

FEMA maps place 8895 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 8895 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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