San Joaquin County property record for 428 Concord St, Lodi, CA 95240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1923 |
| Lot Size | 0.16 acres (6,975 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,688 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 047-290-080-000 |
| Primary APN | 047-290-080-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 6,975 sqft (0.16 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 047-290-08 |
|---|---|
| Street Address | 428 CONCORD ST |
| City | LODI |
| State | CA |
| Zip | 95240-5317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LODI BARNHART LOT 18 |
| Legal Subdivision | LODI BARNHART TR |
| Legal Block | 3 |
| Legal Lot Number | 18 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 4404 |
428 Concord St is owned and occupied by two individuals who acquired it in October 2005.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 CONCORD ST, LODI, CA 95240-5317 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 26, 2005 |
| Transfer Doc | 0000278847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jun 1, 2026 |
| Property Address | 428 CONCORD ST, LODI, CA 95240-5317 |
| Document Number | 0000049651 |
| Instrument Date | May 23, 2026 |
| Instrument | 202649651 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 428 CONCORD ST, LODI, CA 95240-5317 |
| Document Number | 0000049651, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202649651 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 428 Concord St was $2,688 with a homeowner's exemption, up 0.2% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lodi City |
| Unified School District | Lodi Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,688.00 (+0.22%) | ||
| 2025 | $2,682.00 Homeowner's exemption | $120,033 Land $48,792 Building $71,241 | |
| 2023 | $2,623.00 (+1.08%) Homeowner's exemption | $115,375 Land $46,899 Building $68,476 | $349,650 |
| 2022 | $2,595.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Concord St in Zone X, an area of moderate flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 428 Concord St 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 99.8% of the US · lower than 99.8% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 638 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 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks, Softcom Internet Communications, Verizon.
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