225 N Elm Ave, Ripon, CA 95366 Property Records

San Joaquin County property record for 225 N Elm Ave, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1939
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$357,000 (Aug 2005)
Tax Bill	$5,005 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`259-060-630-000`

Property Details

APN / Parcel Number

Primary APN	`259-060-630-000`
Alternative APN	`259-060-63`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,750 sqft (0.201 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	259-060-63
Street Address	225 N ELM AVE
City	RIPON
State	CA
Zip	95366-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWP 02S RGE 08E SEC 19 QTR SE4
Legal Subdivision	RIPON MAP 02
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	1
Census Block	1016
Census Tract	5001

Owner

225 N Elm Ave is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	225 N ELM AVE, RIPON, CA 95366-2410
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Aug 27, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2005 · Amount on File
Deed Sale	Aug 19, 2005 · Amount on File
Prior Sale	Mar 14, 2003 · Amount on File
Deed Document Number	2005205718
Prior Transfer Date	Oct 4, 1995
Prior Transfer Doc	0000092757
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	225 N ELM AVE, RIPON, CA 95366-2410
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 N EIM STREET, RIPON, CA 95366

Mortgage

Document Number	0000120493
Date	Jul 19, 2021
Instrument	2021-120493

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	225 N ELM AVE, RIPON, CA 95366-2410
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 N ELM AVE, RIPON, CA 95366-2410

Mortgage

Document Number	0000034350
Date	Feb 24, 2021
Instrument	2021-034350

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Sep 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	225 N ELM AVE, RIPON, CA 95366-2410
Document Number	0000099488
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018
Title Company	TSI ESCROW - CERRITOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 N ELM AVE RIPON CA 953662410, RIPON, CA 95366-2410

Mortgage

Document Number	0000099488
Date	Sep 6, 2018
Instrument	99488

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 225 N Elm Ave was $5,005, 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	Ripon City
Unified School District	Ripon Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,005.00 (+0.52%)
2025	$4,979.00	$454,800 Land $135,000 Building $319,800
2023	$4,511.00 (-0.31%)	$410,000 Land $90,000 Building $320,000	$431,010
2022	$4,525.00

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

Flood

FEMA maps place 225 N Elm Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 225 N Elm Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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	CITY OF RIPON serves 15,753 people · EPA ID CA3910007
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	SOUTH SAN JOAQUIN IRRIGATION DISTRICT
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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Matrix Broadband, unWired Broadband.

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