1165 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1165 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	2 Individual Names on Record
Last Sale	$829,000 (Apr 2026)
Tax Bill	$10,892 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-031`

Property Details

APN / Parcel Number

Primary APN	`783-37-031`

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	1165 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 3
Legal Subdivision	TRACT NO 7834
Legal Tract	7834
Legal Lot Number	3
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1165 LERMA LN, GILROY, CA 95020-7411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Oct 1, 2021	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Dec 3, 2019	Grant Deed, Transfer · Conventional Mortgage STAR ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Oct 1, 2021 · Amount on Record
Deed Document Number	202625974398
Prior Transfer Date	Apr 5, 1994
Prior Transfer Doc	0012443714
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 17, 2026
Property Address	1165 LERMA LN, GILROY, CA 95020-7411
Document Number	0025974398
Instrument Date	Apr 14, 2026
Instrument	202625974398
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,101.90
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	1165 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0025974399,
Date	Apr 17, 2026
Instrument	202625974399

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 1, 2021
Property Address	1165 LERMA LN, GILROY, CA 95020-7411
Document Number	0025119425
Map Reference	MB 555 PG 51&52
Instrument Date	Sep 9, 2021
Instrument	25119425
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	CHICAGO 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	1165 LERMA LN, GILROY, CA 95020-7411
Investor	Possibly a Property Investor

Mortgage

Document Number	0025119426
Date	Oct 1, 2021
Instrument	25119426

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 3, 2019
Property Address	1165 LERMA LN, GILROY, CA 95020-7411
Document Number	0024345966
Instrument Date	Nov 26, 2019
Instrument	24345966
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1121 MARSANNE LN GILROY CA 950207104, GILROY, CA 95020-7104

Mortgage

Document Number	24345967
Date	Dec 3, 2019
Instrument	24345967

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

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		$855,000 (-3.86%) Land $341,900 Building $513,100
2025	$10,892.00 (+1.6%) Homeowner's exemption	$889,291 (+16.25%) Land $355,716 Building $533,575
2024	$10,720.00 (+12.35%)
2023	$9,542.00 (-8.96%) Homeowner's exemption	$765,000 Land $306,000 Building $459,000
2022	$10,481.00

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 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

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 702 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier.

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