1163 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1163 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	2 Trust Names on File
Last Sale	$329,000 (Nov 2010)
Tax Bill	$5,192 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2025 Transfer + 4 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-032`

Property Details

APN / Parcel Number

Primary APN	`783-37-032`

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	1163 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 4
Legal Subdivision	TRACT NO 7834
Legal Tract	7834
Legal Lot Number	4
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

1163 Lerma Ln is held in a trust since November 2010.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	14875 SKY LN, LOS GATOS, CA 95032-5745
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Intrafamily Transfer, Transfer
Oct 8, 2025	Intrafamily Transfer, Transfer
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISTAR MORTGAGE CORP
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2010 · Amount on File
Deed Sale	Nov 24, 2010 · Amount on File
Prior Sale	Jul 21, 2006 · Amount on File
Deed Document Number	201020973430
Prior Transfer Date	Dec 29, 1993
Prior Transfer Doc	0012297604
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 8, 2025
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Document Number	0025881434
Map Reference	MB 555 PG 51 & 52
Instrument Date	Sep 18, 2025
Instrument	25881434
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14875 SKY LN, LOS GATOS, CA 95032-5745

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 8, 2025
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Document Number	0025881433
Map Reference	MB 555 PG 51 & 52
Instrument Date	Sep 18, 2025
Instrument	25881433
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	14875 SKY LN, LOS GATOS, CA 95032-5745

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Jul 3, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1163 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0025491185
Date	Jun 22, 2023
Instrument	25491185

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 21, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1163 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0024883328
Date	Mar 19, 2021
Instrument	24883328

Lender

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

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024105019
Date	Jan 29, 2019
Instrument	24105019

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1163 LERMA LN, GILROY, CA 95020-7411
Document Number	0024371967
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1163 LERMA LN GILROY CA 950207411, GILROY, CA 95020-7411

Mortgage

Document Number	0024371967
Date	Jan 2, 2020
Instrument	24371967

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1163 Lerma Ln was $5,192, up 1.6% from the year before.

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		$429,921 (+2%) Land $171,967 Building $257,954
2025	$5,192.00 (+1.62%) Homeowner's exemption	$421,493 Land $168,596 Building $252,897
2024	$5,109.00 (+0.63%)
2023	$5,077.00 (+1.72%) Homeowner's exemption	$405,128 Land $162,050 Building $243,078
2022	$4,991.00

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

Flood

FEMA maps place 1163 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 1163 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.

Nearby Properties on Lerma Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures