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Single Family ResidenceResidential
$728,290$492 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

640 ARNOLD DR

GILROY, CA 95020
3
Beds
1.5
Baths
1,480 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$728K
$707K low$749K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,205 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$256,489 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$83,676
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$172,813
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$251,461

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
37
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.26 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySANTA CLARA
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rod Kelley Elementary SchoolB+
Elementary · Grades KG–5 · 0.5 mi
M
South Valley Middle SchoolD
Middle · Grades 6–8 · 0.9 mi
H
Christopher High SchoolB+
High · Grades 9–12 · 1.5 mi

District: Gilroy Unified School District

Neighborhood · ZIP 95020These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.486

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.66,394
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.438 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$113,727
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$152,810
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.73%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Arnold Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 91% of homes in Santa Clara County
  • Costs less per square foot than 97% of homes in Santa Clara County
  • Smaller than 79% of homes in Gilroy 95020
  • Has a bigger lot than 67% of homes in Santa Clara County
  • Older than 88% of homes in Gilroy 95020

What homes are worth in Gilroy 95020

Each bar is how many homes fall in that price range. The marker is this home.

This home
$558K$2.2M

This home is worth more than 12% of homes in Gilroy 95020.

How it measures up in Gilroy 95020

The dot is this home. The mark in the middle is the typical home in Gilroy 95020.

Estimated value$728,290
CheaperTypical $1,040,873Pricier

Pricier than 12% of homes nearby

Price per ft²$492
CheaperTypical $516Pricier

Pricier than 37% of homes nearby

Living area1,480 ft²
SmallerTypical 2,027 ft²Bigger

Bigger than 21% of homes nearby

Lot size0.17 ac
SmallerTypical 0.16 acBigger

Bigger than 58% of homes nearby

Year built1959
OlderTypical 1988Newer

Newer than 12% of homes nearby

How 640 Arnold Dr ranks against every home in each area.
MeasureThis homeGilroy 95020Santa Clara County
Estimated valuepricier than$728,29012% of homes9% of homes
Price per ft²pricier than$49237% of homes3% of homes
Living areabigger than1,480 ft²21% of homes38% of homes
Lot sizebigger than0.17 ac58% of homes67% of homes
Year builtnewer than195912% of homes28% of homes

About 640 Arnold Dr

How much is 640 Arnold Dr, Gilroy, CA worth?

The TopHap Estimate for 640 Arnold Dr, Gilroy, CA is $728,290 as of Sep 24, 2026. The likely range is $707,091 to $749,489. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Arnold Dr, Gilroy, CA last sell?

640 Arnold Dr, Gilroy, CA last sold on Jan 13, 1994, according to the county's recorded deed.

How big is 640 Arnold Dr, Gilroy, CA?

640 Arnold Dr, Gilroy, CA has 3 bedrooms, 1.5 bathrooms, 1,480 square feet of living space and a 0.17-acre lot.

When was 640 Arnold Dr, Gilroy, CA built?

640 Arnold Dr, Gilroy, CA was built in 1959, making it 67 years old. The building has 1 story.

What schools serve 640 Arnold Dr, Gilroy, CA?

640 Arnold Dr, Gilroy, CA is assigned to Rod Kelley Elementary School (elementary), rated B+; South Valley Middle School (middle), rated D; Christopher High School (high), rated B+. All sit in Gilroy Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Arnold Dr, Gilroy, CA compare to other homes in Gilroy 95020?

Among the 15,683 homes in Gilroy 95020, it is worth more than 12% of them ($728,290 against a typical $1,040,873), its price per square foot is higher than 37% of them ($492 against a typical $516), it is bigger than 21% of them (1,480 ft² against a typical 2,027 ft²), its lot is bigger than 58% of them (0.17 ac against a typical 0.16 ac) and it is newer than 12% of them (1959 against a typical 1988). Measured against all of Santa Clara County, it is worth more than 9% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Arnold Dr, Gilroy, CA?

The 2025 property tax bill for 640 Arnold Dr, Gilroy, CA was $3,205. The county assessed it at $256,489.

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