230 River Oaks Dr, Lodi, CA 95240 Property Records

San Joaquin County property record for 230 River Oaks Dr, Lodi, CA 95240

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,104 sqft · built 1988
Lot Size	0.192 acres (8,374 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Aug 2026)
Tax Bill	$5,419 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`041-440-060-000`

Property Details

APN / Parcel Number

Primary APN	`041-440-060-000`
Alternative APN	`041-440-06`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,104 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,374 sqft (0.192 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	230 RIVER OAKS DR
City	LODI
State	CA
Zip	95240-0562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1976 LOT 6
Legal Subdivision	RIVERGATE MOKELUMNE
Legal Tract	1976
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	1
Census Block	1002
Census Tract	4202

Owner

230 River Oaks Dr is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	230 RIVER OAKS DR, LODI, CA 95240-0562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 31, 2026	Grant Deed, Transfer · VA Mortgage REALTY MORTGAGE SERVICES
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on File
Deed Sale	Aug 31, 2026 · Amount on File
Prior Sale	Aug 28, 2015 · Amount on File
Deed Document Number	202679642
Prior Transfer Date	Nov 26, 2013
Prior Transfer Doc	0000149227
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 31, 2026
Property Address	230 RIVER OAKS DR, LODI, CA 95240-0562
Document Number	0000079642
Instrument Date	Aug 26, 2026
Instrument	202679642
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,769.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 RIVER OAKS DR, LODI, CA 95240-0562

Mortgage

Document Number	0000079643,
Date	Aug 31, 2026
Instrument	202679643

Lender

Name	REALTY MORTGAGE SERVICES

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	230 RIVER OAKS DR, LODI, CA 95240-0562
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 RIVER OAKS DR, LODI, CA 95240-0562

Mortgage

Document Number	0000015951
Date	Feb 27, 2026
Instrument	2026-015951

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	230 RIVER OAKS DR, LODI, CA 95240-0562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO STOCKTON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062658
Date	Jun 2, 2017
Instrument	2017-062658

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	230 RIVER OAKS DR, LODI, CA 95240-0562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051155
Date	Apr 29, 2020
Instrument	2020-051155

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 230 River Oaks Dr was $5,419, up 0.3% 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	Lodi City
Unified School District	Lodi Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,419.00 (+0.31%)
2025	$5,402.00	$497,468 Land $174,085 Building $323,383
2023	$5,183.00 (+2.27%)	$478,153 Land $167,326 Building $310,827	$869,040
2022	$5,068.00

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

Flood

FEMA maps place 230 River Oaks Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 individual policies
Nearby Flood Policies	57 units insured incl. 20 condo units
Nearby Flood Claims	10 (1983–2006)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Apr 2006 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Storms & Flooding, Feb 1986 · 5 claims

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

The area around 230 River Oaks Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LODI serves 67,093 people · EPA ID CA3910004
Water Source	Surface water
Last State Inspection	Oct 2025
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 542 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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