115 Lusitano Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 115 Lusitano Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,071 sqft · built 2014
Lot Size	0.085 acres (3,707 sqft)
Owner	Individual Name on Record
Last Sale	$895,000 (May 2026)
Tax Bill	$9,669 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`808-48-022`

Property Details

APN / Parcel Number

Primary APN	`808-48-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,071 sqft Living Area
1st Floor Area	831 sqft
2nd Floor Area	1,240 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,707 sqft (0.085 acres)
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	115 LUSITANO WAY
City	GILROY
State	CA
Zip	95020-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	TRACT 10184 LOT 22
Legal Subdivision	TRACT 10184
Legal Tract	10184
Legal Lot Number	22
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512509

Owner

Source: Santa Clara County records, as of May 12, 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	115 LUSITANO WAY, GILROY, CA 95020-8510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Grant Deed, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 2, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 23, 2017	Grant Deed, Transfer · FHA Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	202625984605
Prior Transfer Date	Dec 8, 2014
Prior Transfer Doc	0022795206
Record Updated	Sep 20, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	May 6, 2026
Property Address	115 LUSITANO WAY, GILROY, CA 95020-8510
Document Number	0025984605
Instrument Date	Apr 16, 2026
Instrument	2026.25984605
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,434.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	115 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0025984606,
Date	May 6, 2026
Instrument	2026.25984606

Lender

Name	OPTIMUM FIRST INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.75%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	115 LUSITANO WAY, GILROY, CA 95020-8510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0024774620
Date	Jan 5, 2021
Instrument	24774620

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 2, 2019
Property Address	115 LUSITANO WAY, GILROY, CA 95020-8510
Document Number	0024215745
Map Reference	MB 866 PG 24-33
Instrument Date	Jun 20, 2019
Instrument	24215745
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	115 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0024215746
Date	Jul 2, 2019
Instrument	24215746

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Mar 23, 2017
Property Address	115 LUSITANO WAY, GILROY, CA 95020-8510
Document Number	0023608656
Instrument Date	Mar 14, 2017
Instrument	23608656
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$706.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 LUSITANO WAY GILROY CA 950208510, GILROY, CA 95020-8510

Mortgage

Document Number	23608657
Date	Mar 23, 2017
Instrument	23608657

Lender

Name	OPES ADVISORS
Address	CUPERTINO, CA 95014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2047

Tax Assessment & Valuation

Source: Santa Clara County assessment roll, as of August 11, 2025

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
2025	$9,669.00 (+1.59%)	$781,951 (+4.04%) Land $430,019 Building $351,932
2024	$9,518.00 (+0.59%)
2023	$9,462.00 (+1.65%)	$751,589 Land $413,322 Building $338,267
2022	$9,308.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Frontier, GeoLinks, Verizon.

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