San Joaquin County property record for 109 River Pointe Cir, Lodi, CA 95240 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,330 sqft · built 2001 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $712,000 (Jul 2021) |
| Tax Bill | $8,112 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 041-490-170-000 |
| Primary APN | 041-490-170-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,330 sqft Living Area |
| 1st Floor Area | 2,330 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Wood |
| Lot Area | 7,405 sqft (0.17 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 041-490-17 |
|---|---|
| Street Address | 109 RIVER POINTE CIR |
| City | LODI |
| State | CA |
| Zip | 95240-0566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 97-FM PT OF 041-250-10 PER RIVER POINTE |
| Legal Subdivision | RIVER POINTE |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 4202 |
Source: San Joaquin County records · APN 041-490-170-000
Assessment roll updated September 24, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 28, 2021 | Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | May 17, 2002 · Amount on Record |
| Deed Document Number | 2021126390 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jun 22, 2026 |
| Property Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Document Number | 0000056469 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202656469 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Investor | Possibly a Property Investor |
| Document Number | 0000056469, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202656469 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 28, 2021 |
| Property Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Document Number | 0000126390 |
| Map Reference | MB 32 PG 94 |
| Instrument Date | Jul 25, 2021 |
| Instrument | 2021-126390 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Investor | Possibly a Property Investor |
| Document Number | 0000126391 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021-126391 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 109 RIVER POINTE CIR, LODI, CA 95240-0566 |
| Document Number | 0000086965 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 RIVER POINTE CIR LODI CA 952400566, LODI, CA 95240-0566 |
| Document Number | 0000086965 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 86965 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 20, 2040 |
Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lodi City |
| Unified School District | Lodi Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,112.00 (+4.16%) Homeowner's exemption | $755,578 (+4.04%) Land $222,853 Building $532,725 | |
| 2023 | $7,788.00 (+2.29%) Homeowner's exemption | $726,240 Land $214,200 Building $512,040 | $803,250 |
| 2022 | $7,614.00 |
Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060770042021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 37 individual NFIP policies nearby |
| Nearby Flood Policies | 57 units insured 20 under condo master policies |
| Nearby Flood Claims | 10 (1983–2006) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Apr 2006, rainfall accumulation, Severe Storms, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 542 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| UnWired Broadband Holding | Fixed Wireless (unlicensed) | 400 / 50 |
| Softcom Internet Communications | Fixed Wireless (licensed-by-rule) | 400 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| DigitalPath | Fixed Wireless | 200 / 20 |
| Cal.net | Fixed Wireless (licensed-by-rule) | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.
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