230 Watson St, Lodi, CA 95240 Property Records

San Joaquin County property record for 230 Watson St, Lodi, CA 95240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,740 sqft · built 1950
Lot Size	0.2 acres (8,718 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2022)
Tax Bill	$4,399 (2026)
Deeds & Mortgages	Jun 2022 Transfer Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`047-110-070-000`

Property Details

APN / Parcel Number

Primary APN	`047-110-070-000`
Alternative APN	`047-110-07`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,718 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	047-110-07
Street Address	230 WATSON ST
City	LODI
State	CA
Zip	95240-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUMINSON LOT 7
Legal Subdivision	RUMINSON TR
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	1
Census Block	1003
Census Tract	4403

Owner

230 Watson St is owned and occupied by an individual who bought it in June 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	230 WATSON ST, LODI, CA 95240-4824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jun 17, 2022	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Feb 16, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on File
Deed Sale	Jun 17, 2022 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Document Number	202276059
Prior Transfer Date	Jun 15, 2022
Prior Transfer Doc	0000076059
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 17, 2022
Property Address	230 WATSON ST, LODI, CA 95240-4824
Document Number	0000076060
Map Reference	VOL 13 PG 4
Instrument Date	Jun 15, 2022
Instrument	2022-076060
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 WATSON ST, LODI, CA 95240-4824

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 17, 2022
Property Address	230 WATSON ST, LODI, CA 95240-4824
Document Number	0000076059
Map Reference	VOL 13 PG 4
Instrument Date	Jun 15, 2022
Instrument	2022-076059
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 WATSON ST, LODI, CA 95240-4824

Mortgage

Document Number	0000076061
Date	Jun 17, 2022
Instrument	2022-076061

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	11.7%

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 16, 2018
Property Address	230 WATSON ST, LODI, CA 95240-4824
Document Number	0000018495
Instrument Date	Feb 13, 2018
Instrument	18495
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$264.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6007 SNAKE RD OAKLAND CA 946112615, OAKLAND, CA 94611-2615

Tax Assessment & Valuation

The 2026 property tax bill for 230 Watson St was $4,399, 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	$4,399.00 (+0.32%)
2025	$4,385.00	$403,258 Land $122,038 Building $281,220
2023	$4,205.00 (+50.72%)	$387,600 Land $117,300 Building $270,300	$391,950
2022	$2,790.00

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

Flood

FEMA maps place 230 Watson St in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 230 Watson St is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks, Softcom Internet Communications, Verizon.

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