13 Lusitano Way, Gilroy, CA 95020 Property Records

Santa Clara County property record for 13 Lusitano Way, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,440 sqft · built 2015
Lot Size	0.067 acres (2,935 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Jul 2018)
Tax Bill	$9,928 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`808-49-021`

Property Details

APN / Parcel Number

Primary APN	`808-49-021`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 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 2015
Architectural Style	Other
Construction Type	Wood
Lot Area	2,935 sqft (0.067 acres)
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	13 LUSITANO WAY
City	GILROY
State	CA
Zip	95020-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-20A
Legal Description	TR 10184 LOT 48
Legal Tract	10184
Legal Lot Number	48
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1000
Census Tract	512509

Owner

13 Lusitano Way is owned and occupied by two individuals who bought it in July 2018.

Source: Santa Clara County records, as of October 20, 2025

Owner of Record	2 Individual Names on File
Mailing Address	13 LUSITANO WAY, GILROY, CA 95020-8509
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB
Jul 2, 2018	Grant Deed, Transfer · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2018 · Amount on File
Deed Sale	Jul 2, 2018 · Amount on File
Prior Sale	May 18, 2016 · Amount on File
Deed Document Number	23968623
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	13 LUSITANO WAY, GILROY, CA 95020-8509
Document Number	0024444144
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 LUSITANO WAY GILROY CA 950208509, GILROY, CA 95020-8509

Mortgage

Document Number	0024444144
Date	Apr 1, 2020
Instrument	24444144

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 31, 2035

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Jul 2, 2018
Property Address	13 LUSITANO WAY, GILROY, CA 95020-8509
Document Number	0023968623
Instrument Date	Jun 29, 2018
Instrument	23968623
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 LUSITANO WAY GILROY CA 950208509, GILROY, CA 95020-8509

Mortgage

Document Number	23968624
Date	Jul 2, 2018
Instrument	23968624

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 13 Lusitano Way was $9,928.

Source: Santa Clara County assessment roll, as of July 1, 2025

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
2025	$9,928.00	$803,169 Land $446,205 Building $356,964
2023	$9,715.00 (+1.65%)	$771,982 Land $428,879 Building $343,103
2022	$9,557.00

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

Flood

FEMA maps place 13 Lusitano Way in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	195.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 13 Lusitano Way 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 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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