1241 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1241 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,889 sqft · built 1989
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,969 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`783-37-021`

Property Details

APN / Parcel Number

Primary APN	`783-37-021`

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 1989
Effective Year Built	Effective 1989
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	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1241 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 21
Legal Tract	7638
Legal Lot Number	21
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	1241 LERMA LN, GILROY, CA 95020-7412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage SANTA CLARA COUNTY FCU
Mar 14, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 12, 2003
Transfer Doc	0017382943
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 8, 2023
Property Address	1241 LERMA LN, GILROY, CA 95020-7412
Document Number	0025528082
Map Reference	MB 551 PG 35-37
Instrument Date	Aug 30, 2023
Instrument	25528082
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	1241 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0025528083
Date	Sep 8, 2023
Instrument	25528083

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1241 LERMA LN, GILROY, CA 95020-7412
Document Number	0023620713
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 LERMA LN GILROY CA 950207412, GILROY, CA 95020-7412

Mortgage

Document Number	0023620713
Date	Apr 10, 2017
Instrument	23620713

Lender

Name	BANK OF AMERICA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$327,550 (+2%) Land $109,507 Building $218,043
2025	$3,969.00 (+2.32%) Homeowner's exemption	$321,128 (+4.04%) Land $107,360 Building $213,768
2023	$3,879.00 (+1.73%) Homeowner's exemption	$308,660 Land $103,192 Building $205,468
2022	$3,813.00

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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