1155 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1155 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,219 sqft · built 1987
Lot Size	0.108 acres (4,700 sqft)
Owner	Trust Name on File
Tax Bill	$3,985 (2025)
Deeds & Mortgages	Nov 2021 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-036`

Property Details

APN / Parcel Number

Primary APN	`783-37-036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,219 sqft Living Area
1st Floor Area	758 sqft
2nd Floor Area	461 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	1155 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 8
Legal Subdivision	TRACT NO 7834
Legal Tract	7834
Legal Lot Number	8
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

1155 Lerma Ln is owner-occupied and held in a trust since September 2021.

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

Owner of Record	Trust Name on File
Mailing Address	1155 LERMA LN, GILROY, CA 95020-7411
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Nov 17, 2021	Intrafamily Transfer, Transfer
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISTAR MORTGAGE CORP
May 3, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 7, 2021
Transfer Doc	0025170974
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Nov 17, 2021
Property Address	1155 LERMA LN, GILROY, CA 95020-7411
Document Number	0025170974
Instrument Date	Sep 7, 2021
Instrument	25170974
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	1155 LERMA LN, GILROY, CA 95020-7411

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1155 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1155 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0024935694
Date	Apr 26, 2021
Instrument	24935694

Lender

Name	AMERISTAR MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1155 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024171002
Date	May 3, 2019
Instrument	24171002

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Mar 29, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1155 Lerma Ln was $3,985.

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		$321,808 (+2%) Land $128,718 Building $193,090
2025	$3,985.00	$315,499 Land $126,195 Building $189,304
2023	$3,899.00 (+1.7%)	$303,250 Land $121,296 Building $181,954
2022	$3,834.00

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

Flood

FEMA maps place 1155 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 1155 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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