432 E Oak St, Lodi, CA 95240 Property Records

San Joaquin County property record for 432 E Oak St, Lodi, CA 95240

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,160 sqft · built 1915
Lot Size	0.191 acres (8,300 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Jun 2012)
Tax Bill	$1,384 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`043-124-130-000`

Property Details

APN / Parcel Number

Primary APN	`043-124-130-000`
Alternative APN	`043-124-13`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,300 sqft (0.191 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	043-124-13
Street Address	432 E OAK ST
City	LODI
State	CA
Zip	95240-2920
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	EAST LODI ADD BLK 5 LOT 2
Legal Subdivision	EAST LODI ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2017
Census Tract	4502

Owner

432 E Oak St, a duplex, is owned by an individual who acquired it in September 2019.

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	Individual Name on File
Mailing Address	2004 DIJON ST, STOCKTON, CA 95210-3112
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Dec 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Dec 28, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2012 · Amount on File
Deed Sale	Jun 13, 2012 · Amount on File
Prior Sale	Feb 8, 2012 · Amount on File
Deed Document Number	201273898
Last Transfer Date	Sep 30, 2019
Transfer Doc	0000110722
Record Updated	Oct 29, 2026

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 30, 2019
Property Address	432 E OAK ST, LODI, CA 95240-2920
Document Number	0000110722
Map Reference	VOL 3 PG 34
Instrument Date	Sep 30, 2019
Instrument	2019-110722
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NORTH AMERICAN TITLE CO INC

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	2004 DIJON ST, STOCKTON, CA 95210-3112

Mortgage

Document Number	0000110723
Date	Sep 30, 2019
Instrument	2019-110723

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 28, 2018
Property Address	432 E OAK ST, LODI, CA 95240-2920
Document Number	0000145468
Map Reference	VOL 3 PG 34
Instrument Date	Dec 26, 2018
Instrument	2018-145468
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC 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	22 MULBERRY CT, LODI, CA 95240-7114

Mortgage

Document Number	0000145469
Date	Dec 28, 2018
Instrument	2018-145469

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 28, 2018
Property Address	432 E OAK ST, LODI, CA 95240-2920
Document Number	0000145467
Instrument Date	Dec 18, 2018
Instrument	145467
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	22 MULBERRY CT LODI CA 952407114, LODI, CA 95240-7114

Tax Assessment & Valuation

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
2026	$1,384.00 (+0.36%)
2025	$1,379.00 (+4.71%)	$124,339 (+4.04%) Land $31,396 Building $92,943
2023	$1,317.00 (+2.25%)	$119,513 Land $30,178 Building $89,335
2022	$1,288.00

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

Flood

FEMA maps place 432 E Oak 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	1 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 432 E Oak 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 274 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Softcom Internet Communications, Verizon.

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