1221 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1221 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	0.138 acres (6,000 sqft)
Owner	Trust Name on File
Last Sale	$545,000 (Jun 2004)
Tax Bill	$9,583 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-023`

Property Details

APN / Parcel Number

Primary APN	`783-37-023`

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

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1221 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 23
Legal Subdivision	TRACT NO 7638
Legal Tract	7638
Legal Lot Number	23
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
Census Tract	512516

Owner

1221 Lerma Ln is held in a trust since October 2019.

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	Trust Name on File
Mailing Address	6818 LAZY RIVER WAY, SAN JOSE, CA 95120-5501
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Nov 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2004 · Amount on File
Deed Sale	Jun 10, 2004 · Amount on File
Prior Sale	Apr 1, 1999 · Amount on File
Deed Document Number	200417836224
Last Transfer Date	Oct 19, 2019
Transfer Doc	0024314633
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1221 LERMA LN, GILROY, CA 95020-7412
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8818 LAZY RIVER WAY, SAN JOSE, CA 95120

Mortgage

Document Number	0025162064
Date	Nov 12, 2021
Instrument	25162064

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1221 LERMA LN, GILROY, CA 95020-7412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023809604
Date	Nov 21, 2017
Instrument	23809604

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 28, 2019
Property Address	1221 LERMA LN, GILROY, CA 95020-7412
Document Number	0024314633
Instrument Date	Oct 19, 2019
Instrument	24314633
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6818 LAZY RIVER WAY SAN JOSE CA 951205501, SAN JOSE, CA 95120-5501

Tax Assessment & Valuation

The 2025 property tax bill for 1221 Lerma Ln was $9,583.

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		$790,357 (+2%) Land $316,140 Building $474,217
2025	$9,583.00	$774,861 Land $309,942 Building $464,919
2023	$9,378.00 (+1.66%)	$744,773 Land $297,907 Building $446,866
2022	$9,225.00

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

Flood

FEMA maps place 1221 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 1221 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 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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