1271 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1271 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,005 sqft · built 1986
Lot Size	0.158 acres (6,877 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Oct 2018)
Tax Bill	$10,658 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-018`

Property Details

APN / Parcel Number

Primary APN	`783-37-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,005 sqft Living Area
1st Floor Area	1,603 sqft
2nd Floor Area	402 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	H-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	6,877 sqft (0.158 acres)
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	None

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1271 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 18
Legal Subdivision	TRACT NO 7638
Legal Tract	7638
Legal Lot Number	18
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1004
Census Tract	512516

Owner

1271 Lerma Ln is owned and occupied by two individuals who bought it in October 2018.

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	2 Individual Names on File
Mailing Address	1271 LERMA LN, GILROY, CA 95020-7412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Oct 31, 2018	Grant Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	May 12, 2009 · Amount on File
Deed Document Number	201824053807
Prior Transfer Date	Nov 2, 2006
Prior Transfer Doc	0019237404
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1271 LERMA LN, GILROY, CA 95020-7412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1271 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0024663069
Date	Oct 20, 2020
Instrument	24663069

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1271 LERMA LN, GILROY, CA 95020-7412
Document Number	0024053809
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2525 YERBA BUENA HILLS CT SAN JOSE CA 95121, SAN JOSE, CA 95121

Mortgage

Document Number	0024053809
Date	Oct 31, 2018
Instrument	24053809

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2048

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 31, 2018
Property Address	1271 LERMA LN, GILROY, CA 95020-7412
Document Number	0024053807
Map Reference	MB551 PG35-37
Instrument Date	Oct 26, 2018
Instrument	24053807
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1271 LERMA LN, GILROY, CA 95020-7412

Mortgage

Document Number	0024053808
Date	Oct 31, 2018
Instrument	24053808

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Mortgage

Document Number	0024053809
Date	Oct 31, 2018
Instrument	24053809

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1271 Lerma Ln was $10,658 with a homeowner's exemption.

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		$887,500 (+2%) Land $398,237 Building $489,263
2025	$10,658.00 Homeowner's exemption	$870,099 Land $390,429 Building $479,670
2023	$10,427.00 (+1.68%) Homeowner's exemption	$836,314 Land $375,269 Building $461,045
2022	$10,255.00

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

Flood

FEMA maps place 1271 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 1271 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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