1151 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1151 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,322 sqft · built 1987
Lot Size	0.108 acres (4,700 sqft)
Owner	Individual Name on File
Last Sale	$755,000 (Sep 2020)
Tax Bill	$10,099 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-038`

Property Details

APN / Parcel Number

Primary APN	`783-37-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,322 sqft Living Area
1st Floor Area	986 sqft
2nd Floor Area	336 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,700 sqft (0.108 acres)
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1151 LERMA LN
City	GILROY
State	CA
Zip	95020-7411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 7834 LOT 10
Legal Subdivision	TRACT NO 7834
Legal Tract	7834
Legal Lot Number	10
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

1151 Lerma Ln is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1151 LERMA LN, GILROY, CA 95020-7411
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 15, 2020	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 21, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Feb 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Sep 21, 2017 · Amount on File
Deed Document Number	202024613402
Prior Transfer Date	Nov 21, 1995
Prior Transfer Doc	0013117904
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1151 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0025087081
Date	Sep 2, 2021
Instrument	25087081

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 15, 2020
Property Address	1151 LERMA LN, GILROY, CA 95020-7411
Document Number	0024613402
Map Reference	MB 555 PG 51&52
Instrument Date	Sep 9, 2020
Instrument	24613402
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	1151 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0024613403
Date	Sep 15, 2020
Instrument	24613403

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 21, 2017
Property Address	1151 LERMA LN, GILROY, CA 95020-7411
Document Number	0023759009
Map Reference	MAP555 PG51&52
Instrument Date	Sep 14, 2017
Instrument	23759009
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	1151 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0023759010
Date	Sep 21, 2017
Instrument	23759010

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1151 LERMA LN, GILROY, CA 95020-7411
Document Number	0023585441
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Feb 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 LERMA LN GILROY CA 950207411, GILROY, CA 95020-7411

Mortgage

Document Number	0023585441
Date	Feb 17, 2017
Instrument	23585441

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSIDE, CA 92517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1151 Lerma Ln was $10,099.

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		$833,577 (+2%) Land $333,430 Building $500,147
2025	$10,099.00	$817,234 Land $326,893 Building $490,341
2023	$9,883.00 (+1.66%)	$785,501 Land $314,200 Building $471,301
2022	$9,722.00

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

Flood

FEMA maps place 1151 Lerma Ln in Zone X, an area of moderate flood risk.

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

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

Wildfire risk around 1151 Lerma Ln is low, with a 0.01% annual chance of 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 659 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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