327 Cross St, Lodi, CA 95242 Property Records

San Joaquin County property record for 327 Cross St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1955
Lot Size	0.146 acres (6,356 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Oct 2025)
Tax Bill	$5,435 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`035-230-400-000`

Property Details

APN / Parcel Number

Primary APN	`035-230-400-000`
Alternative APN	`035-230-40`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,356 sqft (0.146 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	035-230-40
Street Address	327 CROSS ST
City	LODI
State	CA
Zip	95242-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KIRST ESTATES TRACT 335 LOT 000040 MAP 000013 00150
Legal Subdivision	KIRST ESTATES
Legal Tract	335
Legal Block	2
Legal Lot Number	40
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2013
Census Tract	4205

Owner

327 Cross St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	327 CROSS ST, LODI, CA 95242-2402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 3, 2025	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2023	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Jun 14, 2023	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on File
Deed Sale	Oct 3, 2025 · Amount on File
Prior Sale	May 30, 2025 · Amount on File
Deed Document Number	202584727
Prior Transfer Date	May 28, 2025
Prior Transfer Doc	0000045511
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 3, 2025
Property Address	327 CROSS ST, LODI, CA 95242-2402
Document Number	0000084727
Map Reference	VOL 13 PG 150
Instrument Date	Sep 30, 2025
Instrument	2025-084727
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	327 CROSS ST, LODI, CA 95242-2402

Mortgage

Document Number	0000084728
Date	Oct 3, 2025
Instrument	2025-084728

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 14, 2023
Property Address	327 CROSS ST, LODI, CA 95242-2402
Document Number	0000046493
Map Reference	VOL 13 PG 150
Instrument Date	Jun 12, 2023
Instrument	2023-046493
Transaction Type	Transfer
Record Updated	Jun 26, 2023
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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	327 CROSS ST, LODI, CA 95242-2402

Mortgage

Document Number	0000046494
Date	Jun 14, 2023
Instrument	2023-046494

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 14, 2023
Property Address	327 CROSS ST, LODI, CA 95242-2402
Document Number	0000046492
Map Reference	VOL 13 PG 150
Instrument Date	Jun 9, 2023
Instrument	2023-046492
Transaction Type	Transfer
Record Updated	Jun 26, 2023
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	327 CROSS ST, LODI, CA 95242-2402

Tax Assessment & Valuation

The 2026 property tax bill for 327 Cross St was $5,435, up 33% 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	$5,435.00 (+329.98%)
2025	$1,264.00	$115,433 Land $39,957 Building $75,476
2023	$1,140.00 (+2.43%) Homeowner's exemption	$110,953 Land $38,406 Building $72,547	$237,240
2022	$1,113.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 327 Cross 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	3 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

The area around 327 Cross St 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 747 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Matrix Broadband, Verizon.

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