174 Cottage Ln, Lodi, CA 95242 Property Records

San Joaquin County property record for 174 Cottage Ln, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,663 sqft · built 2018
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$508,000 (Nov 2018)
Tax Bill	$7,119 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029-540-050-000`

Property Details

APN / Parcel Number

Primary APN	`029-540-050-000`
Alternative APN	`029-540-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,663 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	029-540-05
Street Address	174 COTTAGE LN
City	LODI
State	CA
Zip	95242-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-FM PT OF 029-380-05 PER ROSE GATE UNIT NO 1
Legal Subdivision	ROSE GATE UN #1
Legal Block	1
Legal Lot Number	28
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	1
Census Block	1006
Census Tract	4104

Owner

174 Cottage Ln is owned and occupied by two individuals who bought it in November 2018.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	174 COTTAGE LN, LODI, CA 95242-9716
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
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Nov 7, 2018	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Deed Document Number	2018123149
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	174 COTTAGE LN, LODI, CA 95242-9716
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 COTTAGE ALNE, LODI, CA 95242-9716

Mortgage

Document Number	0000181544
Date	Oct 29, 2021
Instrument	2021-181544

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	174 COTTAGE LN, LODI, CA 95242-9716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 COTTAGE LN, LODI, CA 95242-9716

Mortgage

Document Number	0000147156
Date	Oct 30, 2020
Instrument	2020-147156

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	174 COTTAGE LN, LODI, CA 95242-9716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 COTTAGE LN, LODI, CA 95242-9716

Mortgage

Document Number	0000081483
Date	Jul 31, 2019
Instrument	2019-081483

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 7, 2018
Property Address	174 COTTAGE LN, LODI, CA 95242-9716
Document Number	0000123149
Map Reference	MB 42 PG 44
Instrument Date	Sep 19, 2018
Instrument	2018-123149
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	174 COTTAGE LN, LODI, CA 95242-9716

Mortgage

Document Number	0000123152
Date	Nov 7, 2018
Instrument	2018-123152

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 174 Cottage Ln was $7,119, up 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,119.00 (+0.47%)
2025	$7,086.00	$598,131 Land $111,550 Building $486,581
2023	$6,813.00 (+2.25%)	$574,907 Land $107,219 Building $467,688	$694,350
2022	$6,663.00

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

Flood

FEMA maps place 174 Cottage Ln 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	3 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

The area around 174 Cottage Ln 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 LODI serves 67,093 people · EPA ID CA3910004
Water Source	Surface water
Last State Inspection	Oct 2025
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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	1,000 / 1,000
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Matrix Broadband, Verizon.

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