1201 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1201 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,889 sqft · built 1986
Lot Size	0.147 acres (6,414 sqft)
Owner	2 Individual Names on Record
Last Sale	$975,000 (Sep 2022)
Tax Bill	$12,417 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2022 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-025`

Property Details

APN / Parcel Number

Primary APN	`783-37-025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,889 sqft Living Area
1st Floor Area	1,271 sqft
2nd Floor Area	618 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	H-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	6,414 sqft (0.147 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1201 LERMA LN
City	GILROY
State	CA
Zip	95020-7412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 7638 LOT 25
Legal Subdivision	TRACT NO 7638
Legal Tract	7638
Legal Lot Number	25
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
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	1201 LERMA LN, GILROY, CA 95020-7412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 18, 2022	Intrafamily Transfer, Transfer STEWART TITLE OF CA INC
Apr 9, 2021	Intrafamily Transfer, Transfer
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 30, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2022 · Amount on Record
Deed Sale	Sep 14, 2022 · Amount on Record
Prior Sale	Jul 13, 2012 · Amount on Record
Deed Document Number	202225372397
Prior Transfer Date	Jul 14, 2022
Prior Transfer Doc	0025336820
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 14, 2022
Property Address	1201 LERMA LN, GILROY, CA 95020-7412
Document Number	0025372397
Map Reference	MB 551 PG 35-37
Instrument Date	Sep 7, 2022
Instrument	25372397
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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	Joint Tenants
Address	1201 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0025372398
Date	Sep 14, 2022
Instrument	25372398

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 18, 2022
Property Address	1201 LERMA LN, GILROY, CA 95020-7412
Document Number	0025336820
Map Reference	MB 551 PG 35-37
Instrument Date	Jul 14, 2022
Instrument	25336820
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

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	1201 LAMA LANE, GILROY, CA 95020

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Apr 9, 2021
Property Address	1201 LERMA LN, GILROY, CA 95020-7412
Document Number	0024914440
Map Reference	MB 551 PG 35-37
Instrument Date	Mar 24, 2021
Instrument	24914440
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	1201 LERMA LN, GILROY, CA 95020-7412

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1201 LERMA LN, GILROY, CA 95020-7412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0024772609
Date	Jan 4, 2021
Instrument	24772609

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

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

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 30, 2021
Property Address	1201 LERMA LN, GILROY, CA 95020-7412
Document Number	0025209543
Map Reference	MB 551 PG 33-37
Instrument Date	Dec 23, 2020
Instrument	25209543
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	1201 LERMA LN, GILROY, CA 95020-7412

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		$1,034,677 (+2%) Land $413,871 Building $620,806
2025	$12,417.00 (+17.86%) Homeowner's exemption	$1,014,390 (+20.05%) Land $405,756 Building $608,634
2023	$10,535.00 (+80.39%) Homeowner's exemption	$845,000 Land $338,000 Building $507,000
2022	$5,840.00

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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