125 Lusitano Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 125 Lusitano Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,440 sqft · built 2014
Lot Size	0.064 acres (2,798 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Aug 2026)
Tax Bill	$8,635 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Line of Credit + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`808-48-019`

Property Details

APN / Parcel Number

Primary APN	`808-48-019`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
1st Floor Area	1,072 sqft
2nd Floor Area	1,368 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	2,798 sqft (0.064 acres)
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	125 LUSITANO WAY
City	GILROY
State	CA
Zip	95020-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	TRACT 10184 LOT 19
Legal Subdivision	TRACT 10184
Legal Tract	10184
Legal Lot Number	19
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512509

Owner

Source: Santa Clara County records, as of September 3, 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	125 LUSITANO WAY, GILROY, CA 95020-8510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 31, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Dec 3, 2014 · Amount on Record
Deed Document Number	202626044138
Prior Transfer Date	Jul 25, 2018
Prior Transfer Doc	0023994009
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Aug 28, 2026
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Document Number	0026044138
Instrument Date	Jul 28, 2026
Instrument	202626044138
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044139,
Date	Aug 28, 2026
Instrument	202644139

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

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

Interest

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LUSITANO WAY SAN, GILROY, CA 95020-8510

Mortgage

Document Number	0025494381
Date	Jun 28, 2023
Instrument	25494381

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 27, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024128035
Date	Mar 5, 2019
Instrument	24128035

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0024615392
Date	Sep 16, 2020
Instrument	24615392

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0025118767
Date	Sep 30, 2021
Instrument	25118767

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 31, 2018
Property Address	125 LUSITANO WAY, GILROY, CA 95020-8510
Document Number	0023994009
Map Reference	MB866 PG24-33
Instrument Date	Jul 25, 2018
Instrument	23994009
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NEXTITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LUSITANO WAY, GILROY, CA 95020-8510

Mortgage

Document Number	0023994010
Date	Jul 31, 2018
Instrument	23994010

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$711,006 (+2%) Land $367,762 Building $343,244
2025	$8,635.00 (+1.6%)	$697,065 (+4.04%) Land $360,551 Building $336,514
2024	$8,499.00 (+0.58%)
2023	$8,450.00 (+1.66%)	$669,999 Land $346,551 Building $323,448
2022	$8,312.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1986)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 8 claims

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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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.

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