226 N Elm Ave, Ripon, CA 95366 Property Records

San Joaquin County property record for 226 N Elm Ave, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,179 sqft · built 1967
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Jul 2020)
Tax Bill	$5,192 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`259-060-320-000`

Property Details

APN / Parcel Number

Primary APN	`259-060-320-000`
Alternative APN	`259-060-32`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,179 sqft Living Area
1st Floor Area	1,179 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Garage Area	284 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	259-060-32
Street Address	226 N ELM AVE
City	RIPON
State	CA
Zip	95366-2411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95-SQ FOOTAGE CORRECTION 95020914
Legal Subdivision	RIPON MAP 02
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	1
Census Block	1023
Census Tract	5001

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	226 N ELM AVE, RIPON, CA 95366-2411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 7, 2020	Grant Deed, Transfer · Conventional Mortgage DIGNIFIED HM LNS
Mar 1, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 8, 2017	Grant Deed, Transfer · Line of Credit LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Mar 1, 2018 · Amount on Record
Deed Document Number	202080733
Prior Transfer Date	Apr 8, 2002
Prior Transfer Doc	0000114980
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	226 N ELM AVE, RIPON, CA 95366-2411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108629
Date	Sep 26, 2019
Instrument	2019-108629

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 7, 2020
Property Address	226 N ELM AVE, RIPON, CA 95366-2411
Document Number	0000080733
Instrument Date	Jul 1, 2020
Instrument	80733
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	226 N ELM AVE RIPON CA 953662411, RIPON, CA 95366-2411

Mortgage

Document Number	80734
Date	Jul 7, 2020
Instrument	80734

Lender

Name	DIGNIFIED HM LNS
Type	Funding / Finance Company
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 1, 2018
Property Address	226 N ELM AVE, RIPON, CA 95366-2411
Document Number	0000023022
Instrument Date	Feb 22, 2018
Instrument	2018-023022
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

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	226 N ELM AVE, RIPON, CA 95366-2411

Mortgage

Document Number	0000023023
Date	Mar 1, 2018
Instrument	2018-023023

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 8, 2017
Property Address	226 N ELM AVE, RIPON, CA 95366-2411
Document Number	0000143352
Instrument Date	Dec 7, 2017
Instrument	2017-143352
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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
Address	17718 MURPHY PKWY, LATHROP, CA 95330-8630
Investor	Possibly a Property Investor

Mortgage

Document Number	0000143353
Date	Dec 8, 2017
Instrument	2017-143353

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$5,192.00 (+6.72%)
2025	$4,865.00 (+12.36%)	$450,582 (+12.8%) Land $109,363 Building $341,219
2023	$4,330.00 (+1.64%)	$399,446 Land $105,117 Building $294,329	$430,290
2022	$4,260.00

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

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

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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