236 River Oaks Dr, Lodi, CA 95240 Property Records

San Joaquin County property record for 236 River Oaks Dr, Lodi, CA 95240

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,468 sqft · built 1989
Lot Size	0.193 acres (8,385 sqft)
Owner	2 Trust Names on File
Last Sale	$525,000 (Oct 2017)
Tax Bill	$6,427 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`041-440-070-000`

Property Details

APN / Parcel Number

Primary APN	`041-440-070-000`
Alternative APN	`041-440-07`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,468 sqft Living Area
1st Floor Area	2,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	8,385 sqft (0.193 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	041-440-07
Street Address	236 RIVER OAKS DR
City	LODI
State	CA
Zip	95240-0562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD5
Legal Description	TRACT 1976 LOT 7
Legal Subdivision	RIVERGATE MOKELUMNE
Legal Tract	1976
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	1
Census Block	1002
Census Tract	4202

Owner

236 River Oaks Dr is owner-occupied and held in a trust since October 2017.

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	2 Trust Names on File
Mailing Address	236 RIVER OAKS DR, LODI, CA 95240-0562
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 16, 2017	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on File
Deed Sale	Oct 16, 2017 · Amount on File
Prior Sale	Dec 11, 2012 · Amount on File
Deed Document Number	2017120052
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	236 RIVER OAKS DR, LODI, CA 95240-0562
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 RIVER OAKS DR, LODI, CA 95240-0562

Mortgage

Document Number	0000172163
Date	Oct 13, 2021
Instrument	2021-172163

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 16, 2017
Property Address	236 RIVER OAKS DR, LODI, CA 95240-0562
Document Number	0000120052
Map Reference	MB27 PG42
Instrument Date	Oct 6, 2017
Instrument	2017-120052
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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	236 RIVER OAKS DR, LODI, CA 95240-0562

Mortgage

Document Number	0000120053
Date	Oct 16, 2017
Instrument	2017-120053

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Mortgage

Document Number	0000120054
Date	Oct 16, 2017
Instrument	2017-120054

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 236 River Oaks Dr was $6,427, 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	$6,427.00 (+0.34%)
2025	$6,405.00	$597,355 Land $227,563 Building $369,792
2023	$6,145.00 (+2.3%) Homeowner's exemption	$574,161 Land $218,727 Building $355,434	$799,740
2022	$6,007.00

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

Flood

FEMA maps place 236 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 236 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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