San Joaquin County property record for 15581 French Camp Rd, Ripon, CA 95366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,067 sqft · built 1969 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $769,000 (May 2026) |
| Tax Bill | $2,230 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 203-080-020-000 |
| Primary APN | 203-080-020-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,067 sqft Living Area |
| 1st Floor Area | 1,067 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 28,750 sqft (0.66 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 203-080-02 |
|---|---|
| Street Address | 15581 FRENCH CAMP RD |
| City | RIPON |
| State | CA |
| Zip | 95366-9731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG40 |
| Legal Block | 1 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | RIPON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5003 |
15581 French Camp Rd is owned and occupied by an individual who bought it in May 2026.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CATALYST MORTGAGE |
| May 4, 2026 | Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 14, 2021 | Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on File |
| Deed Sale | May 4, 2026 · Amount on File |
| Prior Sale | Jan 14, 2021 · Amount on File |
| Deed Document Number | 202640381 |
| Prior Transfer Date | Jan 7, 2021 |
| Prior Transfer Doc | 0000008455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Document Number | 0000205269 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021-205269 |
| Name | CATALYST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | May 4, 2026 |
| Property Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Document Number | 0000040381 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.40381 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85,435.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Document Number | 0000040382, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.40382 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jan 14, 2021 |
| Property Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Document Number | 0000008455 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 2021-008455 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15581 FRENCH CAMP RD, RIPON, CA 95366-9731 |
| Document Number | 0000008456 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021-008456 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 15581 French Camp Rd was $2,230 with a homeowner's exemption, up 12.4% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Unified School District | Ripon Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,230.00 (+12.4%) | ||
| 2025 | $1,984.00 Homeowner's exemption | $185,002 Land $54,410 Building $130,592 | |
| 2023 | $1,909.00 (+1.7%) Homeowner's exemption | $177,821 Land $52,299 Building $125,522 | $466,020 |
| 2022 | $1,877.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 15581 French Camp Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 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 risk around 15581 French Camp Rd is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 41% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| ezWave Fixed Wireless | 1,000 / 200 |
| Matrix Broadband Fixed Wireless | 400 / 80 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
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