2097 Fairway Oaks Dr, Ripon, CA 95366 Property Records

San Joaquin County property record for 2097 Fairway Oaks Dr, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,359 sqft · built 2005
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jun 2022)
Tax Bill	$13,627 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`245-310-280-000`

Property Details

APN / Parcel Number

Primary APN	`245-310-280-000`
Alternative APN	`245-310-28`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,359 sqft Living Area
1st Floor Area	3,359 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	13,504 sqft (0.31 acres)
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	245-310-28
Street Address	2097 FAIRWAY OAKS DR
City	RIPON
State	CA
Zip	95366-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06 FM 245-310-18/PT 19/PT TO 29 PER 05055077
Legal Subdivision	FAIRWAY OAKS AT BARTON RANCH
Legal Block	3
Legal Lot Number	39
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3008
Census Tract	5003

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	2 Individual Names on Record
Mailing Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Grant Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 10, 2018	Grant Deed, Transfer · Conventional Mortgage SCENIC OAKS FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2022 · Amount on Record
Deed Sale	Jun 7, 2022 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	202271176
Prior Transfer Date	Nov 13, 2015
Prior Transfer Doc	0000138868
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 7, 2022
Property Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362
Document Number	0000071176
Map Reference	MB 38 PG 6
Instrument Date	Jun 2, 2022
Instrument	2022-071176
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST 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	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362

Mortgage

Document Number	0000071177
Date	Jun 7, 2022
Instrument	2022-071177

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362

Mortgage

Document Number	0000121036
Date	Sep 16, 2020
Instrument	2020-121036

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 10, 2018
Property Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362
Document Number	0000112519
Map Reference	MB 38 PG 6
Instrument Date	Sep 24, 2018
Instrument	2018-112519
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST 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	Joint Tenants
Address	2097 FAIRWAY OAKS DR, RIPON, CA 95366-9362

Mortgage

Document Number	0000112520
Date	Oct 10, 2018
Instrument	2018-112520

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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
Municipality	Ripon City
Unified School District	Ripon Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,627.00 (+1.34%)
2025	$13,447.00 (-4.9%) Homeowner's exemption	$1,262,300 (-4.8%) Land $375,000 Building $887,300
2023	$14,140.00 (+51.49%) Homeowner's exemption	$1,326,000 Land $397,800 Building $928,200	$1,310,040
2022	$9,334.00

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	6 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 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 RIPON serves 15,753 people · EPA ID CA3910007
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024–2026) 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
ezWave Fixed Wireless	1,000 / 200
Matrix Broadband Fixed Wireless	400 / 80
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, unWired Broadband.

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