4184 Gemstone Dr, Acampo, CA 95220 Property Records

San Joaquin County property record for 4184 Gemstone Dr, Acampo, CA 95220

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,725 sqft · built 2020
Lot Size	2 acres (87,120 sqft)
Owner	2 Company Names on Record
Last Sale	$1,275,000 (Sep 2026)
Tax Bill	$8,881 (2026)
Deeds & Mortgages	Sep 2026 Sale Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-360-170-000`

Property Details

APN / Parcel Number

Primary APN	`005-360-170-000`
Alternative APN	`005-360-17`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,725 sqft Living Area
1st Floor Area	2,725 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	87,120 sqft (2 acres)
Garage Area	994 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Well

Location & Zoning

Old Parcel Number	005-360-17
Street Address	4184 GEMSTONE DR
City	ACAMPO
State	CA
Zip	95220-9147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	06-FM PT OF 005-160-28 PER STONEGATE ESTATES
Legal Subdivision	STONEGATE ESTATES
Legal Block	3
Legal Lot Number	17
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	3
Census Block	3031
Census Tract	4600

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Grant Deed, Transfer OLD REPUBLIC TITLE
Aug 27, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 8, 2019	Trustee's Deed, Construction Loan · Construction Mortgage ROXANNE SPRINGER
Nov 16, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	202682921
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 10, 2026
Property Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147
Document Number	0000082921
Instrument Date	Aug 3, 2026
Instrument	202682921
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$141,652.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 27, 2020
Property Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147
Document Number	0000109067
Map Reference	MB 40 PG 75
Instrument Date	Aug 20, 2020
Instrument	2020-109067
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	4184 GEMSTONE DR, ACAMPO, CA 95220-9147

Mortgage

Document Number	0000109068
Date	Aug 27, 2020
Instrument	2020-109068

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 8, 2019
Property Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147
Instrument Date	Aug 5, 2019
Instrument	84773
Transaction Type	Construction Loan
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	934 S ORCA RD ACAMPO CA 95220, ACAMPO, CA 95220

Mortgage

Document Number	0000084773
Date	Aug 8, 2019
Instrument	84773

Lender

Name	ROXANNE SPRINGER
Address	4000 XECUIVE PKWY # 160, SAN RAMON, CA 94583

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 7, 2020

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 16, 2018
Property Address	4184 GEMSTONE DR, ACAMPO, CA 95220-9147
Document Number	0000126153
Instrument Date	Oct 22, 2018
Instrument	126153
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$192.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2715 N KETTLEMAN LN #203-103 LODI CA 95242, 203-10, LODI, CA 95242

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Elementary School District	Galt Joint Union Elementary School District (KG - 08)
Secondary School District	Galt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,881.00 (-1.68%)
2025	$9,033.00 (+4.8%) Veteran's exemption	$908,075 (+4.04%) Land $270,608 Building $637,467
2023	$8,619.00 (+2.82%) Disabled Person's exemption Veteran's exemption	$872,814 Land $260,100 Building $612,714	$944,640
2022	$8,383.00

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

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	7 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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

May also be available: Matrix Broadband.

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