1261 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1261 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1986
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Sep 2022)
Tax Bill	$11,551 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`783-37-019`

Property Details

APN / Parcel Number

Primary APN	`783-37-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,590 sqft
Utility Room	Utility Room
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	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1261 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 19
Legal Tract	7638
Legal Lot Number	19
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
Census Tract	512516

Owner

1261 Lerma Ln is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	763 GETTYSBURG WAY, GILROY, CA 95020-6338
Owner Type	Individual
Vesting	Community Property

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2022 · Amount on File
Deed Sale	Sep 28, 2022 · Amount on File
Prior Sale	Sep 24, 2007 · Amount on File
Deed Document Number	202225378821
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0018704627
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Sep 28, 2022
Property Address	1261 LERMA LN, GILROY, CA 95020-7412
Document Number	0025378821
Map Reference	MB 551 PG 35-37
Instrument Date	Sep 13, 2022
Instrument	25378821
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	OLD REPUBLIC TITLE, 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	Community Property with Right of Survivorship
Address	1261 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0025378822
Date	Sep 28, 2022
Instrument	25378822

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1261 Lerma Ln was $11,551.

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		$955,086 (+2%) Land $382,034 Building $573,052
2025	$11,551.00	$936,360 Land $374,544 Building $561,816
2023	$11,304.00 (+30.85%)	$900,000 Land $360,000 Building $540,000
2022	$8,639.00

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

Flood

FEMA maps place 1261 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 1261 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.

Nearby Properties on Lerma Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures