287 Margaret Way, Ripon, CA 95366 Property Records

San Joaquin County property record for 287 Margaret Way, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,808 sqft · built 2003
Lot Size	0.197 acres (8,618 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Aug 2002)
Tax Bill	$8,206 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`261-530-420-000`

Property Details

APN / Parcel Number

Primary APN	`261-530-420-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,808 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,618 sqft (0.197 acres)
Garage Type	Mixed
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	287 MARGARET WAY
City	RIPON
State	CA
Zip	95366-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-FM PT 261-210-07/MAGNOLIA TERRACE/RM 36-96
Legal Subdivision	MAGNOLIA TERRACE
Legal Lot Number	42
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3023
Census Tract	5003

Owner

Source: San Joaquin County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	287 MARGARET WAY, RIPON, CA 95366-9317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Feb 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2002 · Amount on Record
Deed Sale	Aug 29, 2002 · Amount on Record
Prior Sale	Dec 31, 2003 · Amount on Record
Deed Document Number	0000148466
Last Transfer Date	Feb 20, 2020
Transfer Doc	0000022011
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	287 MARGARET WAY, RIPON, CA 95366-9317
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 MARGARET WAY, RIPON, CA 95366-9317

Mortgage

Document Number	0000192195
Date	Nov 18, 2021
Instrument	2021-192195

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Apr 1, 2051

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 20, 2020
Property Address	287 MARGARET WAY, RIPON, CA 95366-9317
Document Number	0000022011
Map Reference	VOL 36 PG 96
Instrument Date	Feb 13, 2020
Instrument	2020-022011
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	287 MARGARET WAY, RIPON, CA 95366-9317

Mortgage

Document Number	0000022012
Date	Feb 20, 2020
Instrument	2020-022012

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$8,206.00 (+3.81%)	$760,068 (+4.04%) Land $218,945 Building $541,123
2023	$7,905.00 (+1.63%)	$730,555 Land $210,444 Building $520,111
2022	$7,778.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Zinnia Networks Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Frontier, UnWired Broadband Holding.

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