14428 E Prospect Pl, Lockeford, CA 95237 Property Records

San Joaquin County property record for 14428 E Prospect Pl, Lockeford, CA 95237

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 1979
Lot Size	0.15 acres (6,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jan 2016)
Tax Bill	$2,839 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019-290-080-000`

Property Details

APN / Parcel Number

Primary APN	`019-290-080-000`
Alternative APN	`019-290-08`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,540 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	019-290-08
Street Address	14428 E PROSPECT PL
City	LOCKEFORD
State	CA
Zip	95237-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	TRACT 1180 LOT 122
Legal Subdivision	BEAR CREEK TERRACE
Legal Tract	1180
Legal Block	2
Legal Lot Number	122
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LOCKEFORD
Census Block Group	2
Census Block	2003
Census Tract	4701

Owner

Source: San Joaquin County records, as of October 13, 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 Record
Mailing Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Oct 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2016 · Amount on Record
Deed Sale	Jan 29, 2016 · Amount on Record
Prior Sale	Jul 10, 2001 · Amount on Record
Deed Document Number	201611093
Last Transfer Date	Oct 4, 2021
Transfer Doc	0000171883
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 8, 2026
Property Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Document Number	0000031017
Instrument Date	Apr 1, 2026
Instrument	202631017
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031017,
Date	Apr 8, 2026
Instrument	202631017

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 13, 2021
Property Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Document Number	0000171883
Map Reference	VOL 22 PG 12
Instrument Date	Oct 4, 2021
Instrument	2021-171883
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618

Mortgage

Document Number	0000171884
Date	Oct 13, 2021
Instrument	2021-171884

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086803
Date	Jul 31, 2017
Instrument	2017-086803

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	14428 E PROSPECT PL, LOCKEFORD, CA 95237-9618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125476
Date	Oct 31, 2019
Instrument	2019-125476

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Unified School District	Lodi Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,839.00 (+0.39%)
2025	$2,828.00 (+4.01%) Homeowner's exemption	$260,429 (+4.04%) Land $91,149 Building $169,280
2023	$2,719.00 (+2.29%) Homeowner's exemption	$250,317 Land $87,610 Building $162,707	$373,590
2022	$2,658.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	LOCKEFORD COMMUNITY SERV. DIST. serves 3,572 people · EPA ID CA3910008
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband.

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