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7185 Orchard Dr, Gilroy, CA, 95020

5beds
3baths
2,632sqft
$1,150,000
$437price/sqft
$7,764/moest. monthly cost
$310,560/yrincome needed

About This Home

Move-in ready 5-bedroom, 3-bathroom home with a sparkling pool in a desirable Gilroy neighborhood! A standout feature is the full bedroom and bathroom on the main level, offering flexibility for guests, multigenerational living, or a home office.This well-maintained home features an upgraded kitchen and remodeled bathrooms, wood laminate flooring, dual-pane windows, stainless steel appliances, ceiling fans, built -in cabinets in two upstair bedrooms and a newer roof. Additional highlights include a spacious 3-car garage, beautifully manicured front and side yards, new exterior fencing, and leased solar for added energy efficiency.Conveniently located near Christmas Hill Park, elementary and high schools, shopping centers, and with easy access to Highway 101, this home offers the perfect blend of comfort, convenience, and location.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

3/10
5/10
Solorsano Middle SchoolGrades 6-80.9 mi
5/10
Gilroy High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: BreakfastNook, DiningAreainLivingRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • Flooring: Laminate
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,632
  • Total interior livable area: 2,632 sqft

Property

Details

  • Parcel number: 79928026
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 2
  • Pool features: Heated

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached,On Street
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in Santa Clara County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,815$69,780
Home Insurance *$200$2,400
Property Taxes $1,185$14,220
Electricity $564$6,772
Total$7,764$93,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$266,194/yr
40% on housing$232,920/yr
45% on housing$207,040/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$437This listing

vs Other Active Listings

Avg $/sqft

ZIP 95020$539
Santa Clara County$789

vs Homes Sold Last Month

Median $/sqft

ZIP 95020$508
Santa Clara County$1,052

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-17Price change$1,135,000
2026-07-20Listed for sale$1,150,000
2015-09-11Sold$635,000

For Sale by Agent

AgentDavid Silva
BrokerageCrystal Estates

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