18051 S Arboreal Way, Ripon, CA 95366 Property Records

San Joaquin County property record for 18051 S Arboreal Way, Ripon, CA 95366

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,444 sqft · built 1996
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Aug 2018)
Tax Bill	$7,690 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`245-050-020-000`

Property Details

APN / Parcel Number

Primary APN	`245-050-020-000`
Alternative APN	`245-050-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,444 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	33,106 sqft (0.76 acres)
Garage Area	824 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	245-050-02
Street Address	18051 S ARBOREAL WAY
City	RIPON
State	CA
Zip	95366-9727
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG40
Legal Description	03-PT TO ROAD PER 02123754
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	1
Census Block	1031
Census Tract	5003

Owner

Source: San Joaquin County records, as of October 20, 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	18051 S ARBOREAL WAY, RIPON, CA 95366-9727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit OAK VALLEY COMMUNITY BANK
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 31, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Prior Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	201897160
Prior Transfer Date	Jun 16, 1995
Prior Transfer Doc	0000055907
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18051 S ARBOREAL WAY, RIPON, CA 95366-9727
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18051 S ARBOREAL WAY, RIPON, CA 95366-9727

Mortgage

Document Number	0000117514
Date	Dec 19, 2025
Instrument	2025-117514

Lender

Name	OAK VALLEY COMMUNITY BANK
Type	Bank
Address	RIPON, CA 95366

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18051 S ARBOREAL WAY, RIPON, CA 95366-9727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18051 S ARBOREAL WAY, RIPON, CA 95366-9727

Mortgage

Document Number	0000012312
Date	Jan 22, 2021
Instrument	2021-012312

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 31, 2018
Property Address	18051 S ARBOREAL WAY, RIPON, CA 95366-9727
Document Number	0000097160
Instrument Date	Aug 28, 2018
Instrument	2018-097160
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	18051 S ARBOREAL WAY, RIPON, CA 95366-9727

Mortgage

Document Number	0000097161
Date	Aug 31, 2018
Instrument	2018-097161

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	Ripon Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,690.00 (+4.77%)
2025	$7,340.00 (+4.74%) Homeowner's exemption	$681,533 (+14.53%) Land $234,257 Building $447,276
2023	$7,008.00 (+11.7%) Homeowner's exemption	$595,069 Land $225,161 Building $369,908	$722,160
2022	$6,274.00

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
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

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	None beyond 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	SOUTH SAN JOAQUIN IRRIGATION DISTRICT serves 0 people · EPA ID CA5010040
Water Source	Surface water
Last State Inspection	Sep 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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
Frontier DSL	115 / 7
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on S Arboreal Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures