San Joaquin County property record for 20865 N Ray Rd, Lodi, CA 95242
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,380 sqft · built 1966 |
| Lot Size | 55.1 acres (2,400,591 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $1,653,500 (Dec 2013) |
| Tax Bill | $7,983 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Oct 2017 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 011-170-380-000 |
| Primary APN | 011-170-380-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 2,400,591 sqft (55.1 acres) |
| Garage Type | Mixed |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|
| Street Address | 20865 N RAY RD |
|---|---|
| City | LODI |
| State | CA |
| Zip | 95242-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | N |
| Legal Description | 89-CONVEY 0.03 AC FOR RD WIDENING PM 16-61 |
| Legal Range | 05E |
| Legal Township | 04N |
| Legal Section | 25 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 4106 |
Source: San Joaquin County records, as of September 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 6299 CROOKED STICK CIR, STOCKTON, CA 95219-1851 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit YOSEMITE FARM CREDIT ACA |
| Oct 12, 2017 | Grant Deed, Mortgage · Line of Credit YOSEMITE LAND BK FLCA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2013 · Amount on Record |
| Deed Sale | Dec 27, 2013 · Amount on Record |
| Prior Sale | Sep 14, 2011 |
| Deed Document Number | 2013-160743 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 20865 N RAY RD, LODI, CA 95242-9619 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 6299 CROOKED STICK CIR, STOCKTON, CA 95219-1851 |
| Document Number | 0000026334 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 2023-026334 |
| Name | YOSEMITE FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Address | TURLOCK, CA 95381 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 12, 2017 |
| Property Address | 20865 N RAY RD, LODI, CA 95242-9619 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 118432 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6299 CROOKED STICK CIR STOCKTON CA 952191851, STOCKTON, CA 95219-1851 |
| Document Number | 0000118432 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 118432 |
| Name | YOSEMITE LAND BK FLCA |
|---|---|
| Type | Bank |
| Address | TURLOCK, CA 95381 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: San Joaquin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Unified School District | Lodi Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,983.00 (-2.38%) Additional exemption filed | $708,742 (-2.47%) Land $509,624 Building $199,118 |
| 2023 | $8,178.00 (+4.67%) | $726,656 Land $535,269 Building $191,387 |
| 2022 | $7,813.00 |
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.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 63 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 2 (1983–1984) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 1984 · tidal / storm surge |
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.
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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Matrix Broadband Fixed Wireless | 400 / 80 |
| Softcom Internet Communications Fixed Wireless | 400 / 50 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
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