18529 E Hwy 88, Clements, CA 95227 Property Records

San Joaquin County property record for 18529 E Hwy 88, Clements, CA 95227

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,324 sqft · built 1919
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (May 2026)
Tax Bill	$2,248 (2026)
Deeds & Mortgages	Aug 2025 Mortgage May 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-210-150-000`

Property Details

APN / Parcel Number

Primary APN	`019-210-150-000`
Alternative APN	`019-210-15`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,324 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	10,890 sqft (0.25 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	019-210-15
Street Address	18529 E HWY 88
City	CLEMENTS
State	CA
Zip	95227-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	WESTERN ADD-CLEMENT MAP 3 PG I BLK 14 LOT 6
Legal Subdivision	WESTERN ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LOCKEFORD
Census Block Group	1
Census Block	1040
Census Tract	4703

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	Individual Name on Record
Mailing Address	PO BOX 935, LODI, CA 95241-0935
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
May 21, 2026	Grant Deed, Transfer OLD REPUBLIC TITLE
May 21, 2026	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Deed Document Number	202646800
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18529 E HWY 88, CLEMENTS, CA 95227-7113
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18529 E HWY 88, CLEMENTS, CA 95227-7113

Mortgage

Document Number	0000067559
Date	Aug 12, 2025
Instrument	2025-067559

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 21, 2026
Property Address	18529 E HWY 88, CLEMENTS, CA 95227-7113
Document Number	0000046801
Instrument Date	May 18, 2026
Instrument	202646801
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 21, 2026
Property Address	18529 E HWY 88, CLEMENTS, CA 95227-7113
Document Number	0000046800
Instrument Date	May 18, 2026
Instrument	202646800
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$54,327.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner

Mortgage

Document Number	0000046802,
Date	May 21, 2026
Instrument	202646802

Lender

Name	CMG MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Mortgage

Document Number	0000046803,
Date	May 21, 2026
Instrument	202646803

Lender

Name	CMG MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jul 17, 2056

Interest

Rate	6.37%
Max Rate	-1%

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	$2,248.00 (+3.12%)
2025	$2,180.00 (+9.11%) Homeowner's exemption	$136,935 (+4.04%) Land $56,273 Building $80,662
2023	$1,998.00 (+4.88%) Homeowner's exemption	$131,620 Land $54,089 Building $77,531	$429,030
2022	$1,905.00

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.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1998–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, 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 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% 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	CLEMENTS WATER WORKS #43 serves 264 people · EPA ID CA3900504
Water Source	Groundwater
Last State Inspection	Apr 2022
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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: Frontier, T-Mobile, Xfinity.

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