291 Lewis St, Gilroy, CA 95020 Property Records

Santa Clara County property record for 291 Lewis St, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,146 sqft · built 1915
Lot Size	0.241 acres (10,479 sqft)
Owner	2 Individual Names on File
Last Sale	$1,120,000 (Nov 2024)
Tax Bill	$13,789 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`841-04-022`

Property Details

APN / Parcel Number

Primary APN	`841-04-022`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,146 sqft Living Area
Gross Area	1,451 sqft
1st Floor Area	1,351 sqft
Basement Area	100 sqft
Family Room	Family Room

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,479 sqft (0.241 acres)
Lot Dimensions	100 ft deep x 136 ft wide
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	291 LEWIS ST
City	GILROY
State	CA
Zip	95020-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M2
Legal Description	OFFICIAL RECS F-1 PG 4 PART OF LOT 18
Legal Subdivision	LAS ANIMAS
Legal Lot Number	18
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1013
Census Tract	512604

Owner

291 Lewis St is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	291 LEWIS ST, GILROY, CA 95020-5211
Occupancy	Owner Occupied
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

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 17, 2018	Grant Deed, Transfer JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2024 · Amount on File
Deed Sale	Nov 19, 2024 · Amount on File
Prior Sale	Oct 17, 2018 · Amount on File
Deed Document Number	202425731734
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	291 LEWIS ST, GILROY, CA 95020-5211
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 LEWIS ST, GILROY, CA 95020-5211

Mortgage

Document Number	0024812097
Date	Feb 2, 2021
Instrument	24812097

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	291 LEWIS ST, GILROY, CA 95020-5211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024439897
Date	Mar 26, 2020
Instrument	24439897

Lender

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

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	291 LEWIS ST, GILROY, CA 95020-5211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024376511
Date	Jan 9, 2020
Instrument	24376511

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CLARA CA
Recording Date	Oct 17, 2018
Property Address	291 LEWIS ST, GILROY, CA 95020-5211
Document Number	0024044586
Instrument Date	Sep 25, 2018
Instrument	24044586
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,045.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 LEWIS ST GILROY CA 950205211, GILROY, CA 95020-5211

Mortgage

Document Number	24044587
Date	Oct 17, 2018
Instrument	24044587

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%

Tax Assessment & Valuation

The 2025 property tax bill for 291 Lewis St was $13,789.

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		$940,000 (-16.07%) Land $517,000 Building $423,000
2025	$13,789.00	$1,120,000 Land $616,000 Building $504,000
2023	$12,774.00 (-0.41%)	$1,018,468 Land $616,394 Building $402,074
2022	$12,827.00

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

Flood

FEMA maps place 291 Lewis St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1979.

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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

The area around 291 Lewis St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 452 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks, Verizon.

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