1251 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1251 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,931 sqft · built 1986
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Trust Names on File
Last Sale	$855,000 (Jan 2021)
Tax Bill	$11,333 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-020`

Property Details

APN / Parcel Number

Primary APN	`783-37-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,931 sqft Living Area
Gross Area	1,471 sqft
1st Floor Area	1,037 sqft
2nd Floor Area	434 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	451 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1251 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 20
Legal Subdivision	TRACT NO 7638
Legal Tract	7638
Legal Lot Number	20
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
Census Tract	512516

Owner

1251 Lerma Ln is owner-occupied and held in a trust since January 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	1251 LERMA LN, GILROY, CA 95020-7412
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Intrafamily Transfer, Transfer
Sep 26, 2025	Intrafamily Transfer, Transfer
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 15, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Dec 17, 2020 · Amount on File
Deed Document Number	202124788403
Prior Transfer Date	Nov 30, 2020
Prior Transfer Doc	0024752590
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 26, 2025
Property Address	1251 LERMA LN, GILROY, CA 95020-7412
Document Number	0025875699
Map Reference	MB 551 PG 35 36 & 37
Instrument Date	Sep 18, 2025
Instrument	25875699
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 LERMA LN, GILROY, CA 95020-7412
Investor	Possibly a Property Investor

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 26, 2025
Property Address	1251 LERMA LN, GILROY, CA 95020-7412
Document Number	0025875698
Map Reference	MB 551 PG 35 36 & 37
Instrument Date	Sep 18, 2025
Instrument	25875698
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1251 LERMA LN, GILROY, CA 95020-7412
Investor	Possibly a Property Investor

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1251 LERMA LN, GILROY, CA 95020-7412
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0025220887
Date	Jan 18, 2022
Instrument	25220887

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jan 15, 2021
Property Address	1251 LERMA LN, GILROY, CA 95020-7412
Document Number	0024788403
Map Reference	MB 551 PG 35-37
Instrument Date	Jan 6, 2021
Instrument	24788403
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	1251 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0024788404
Date	Jan 15, 2021
Instrument	24788404

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Dec 17, 2020
Property Address	1251 LERMA LN, GILROY, CA 95020-7412
Document Number	0024752590
Instrument Date	Nov 30, 2020
Instrument	24752590
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$288.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1251 LERMA LN GILROY CA 950207412, GILROY, CA 95020-7412

Tax Assessment & Valuation

The 2025 property tax bill for 1251 Lerma Ln was $11,333.

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		$943,984 (+2%) Land $377,593 Building $566,391
2025	$11,333.00 Homeowner's exemption	$925,476 Land $370,190 Building $555,286
2023	$11,088.00 (+1.68%) Homeowner's exemption	$889,541 Land $355,816 Building $533,725
2022	$10,905.00

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

Flood

FEMA maps place 1251 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 1251 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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