San Joaquin County property record for 23381 N Bender Rd, Acampo, CA 95220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,578 sqft · built 2018 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Trust Name on File |
| Last Sale | $370,500 (Jul 2015) |
| Tax Bill | $15,628 (2026) |
| Deeds & Mortgages | Aug 2022 Transfer Mar 2021 Mortgage + 8 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 003-090-270-000 |
| Primary APN | 003-090-270-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,578 sqft Living Area |
| 1st Floor Area | 3,578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 1,277 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Well |
| Old Parcel Number | 003-090-27 |
|---|---|
| Street Address | 23381 N BENDER RD |
| City | ACAMPO |
| State | CA |
| Zip | 95220-9007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG40 |
| Legal Description | 97-FM PT OF 25/PT TO 28/RD PM 20-138/96112352 |
| Legal Block | 2 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 4600 |
23381 N Bender Rd is owner-occupied and held in a trust since September 2018.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 11, 2022 | Intrafamily Transfer, Transfer |
| Mar 16, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ALLY BANK |
| Mar 16, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Sep 7, 2018 | Quit Claim Deed, Transfer PREMIUM TITLE/CA INC |
| Sep 7, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC |
| Dec 28, 2017 | Quit Claim Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO. |
| Dec 28, 2017 | Quit Claim Deed, Transfer PLACER TITLE COMPANY |
| Jul 11, 2017 | Intrafamily Transfer, Transfer · Construction Mortgage UMPQUA BANK |
| Jul 11, 2017 | Quit Claim Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO. |
| Jul 5, 2017 | Deed of Trust, Mortgage UMPQUA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2015 · Amount on File |
| Deed Sale | Jul 8, 2015 · Amount on File |
| Deed Document Number | 201581141 |
| Last Transfer Date | Sep 4, 2018 |
| Transfer Doc | 0000100254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 11, 2022 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000095974 |
| Map Reference | MB 20 PG 138 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 2022-095974 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 16, 2021 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000047241 |
| Map Reference | MB 20 PG 138 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021-047241 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000047242 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2021-047242 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 16, 2021 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000047243 |
| Map Reference | MB 20 PG 138 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021-047243 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Sep 7, 2018 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000100254 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 100254 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2018 |
| Title Company | PREMIUM TITLE/CA INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 23381 N BENDER RD ACAMPO CA 95220, ACAMPO, CA 95220 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Sep 7, 2018 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000100202 |
| Map Reference | MB 20 PG 138 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 2018-100202 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | PREMIUM TITLE OF CALIFORNIA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000100203 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 2018-100203 |
| Name | MIDWEST EQUITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | OAK BROOK, IL 60523 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 28, 2017 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000154629 |
| Instrument Date | Nov 10, 2017 |
| Instrument | 154629 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5222 COSUMNES DR #72 STOCKTON CA 952197209, 72, STOCKTON, CA 95219-7209 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 28, 2017 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000154631 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 154631 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2018 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 11, 2017 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000078165 |
| Map Reference | PM20 PG138 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 2017-078165 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5222 COSUMNES DR APT 72, 72, STOCKTON, CA 95219-7209 |
| Document Number | 0000078166 |
|---|---|
| Date | Jul 11, 2017 |
| Instrument | 2017-078166 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year LIBOR |
| Max Rate | 10.1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 11, 2017 |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000078167 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 78167 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 5222 COSUMNES DR #72 STOCKTON CA 952197209, 72, STOCKTON, CA 95219-7209 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 23381 N BENDER RD, ACAMPO, CA 95220-9007 |
| Document Number | 0000154630 |
| Instrument Date | Jul 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2018 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5222 COSUMNES DR #72 STOCKTON CA 952197209, 72, STOCKTON, CA 95219-7209 |
| Document Number | 0000154630 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 154630 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2047 |
The 2026 property tax bill for 23381 N Bender Rd was $15,628 with a homeowner's exemption, up 2.4% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Unified School District | Lodi Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,628.00 (+2.45%) | ||
| 2025 | $15,255.00 Homeowner's exemption | $1,375,032 Land $449,749 Building $925,283 | |
| 2023 | $13,124.00 (+1.6%) | $1,177,465 Land $432,286 Building $745,179 | $890,640 |
| 2022 | $12,917.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23381 N Bender Rd in Zone X, an area of moderate flood risk, though there have been 10 flood claims nearby since 1998.
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 |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 10 (1998–2023) |
| Claims Outside the SFHA | 10 of 10 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 23381 N Bender Rd 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 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| unWired Broadband Fixed Wireless | 1,000 / 1,000 |
| Softcom Internet Communications Fixed Wireless | 400 / 50 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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