San Joaquin County property record for 455 Valley Ave, Lodi, CA 95240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 838 sqft · built 1954 |
| Lot Size | 0.133 acres (5,780 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $619 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2024 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 062-070-300-000 |
| Primary APN | 062-070-300-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 838 sqft Living Area |
| 1st Floor Area | 838 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,780 sqft (0.133 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|
| Old Parcel Number | 062-070-30 |
|---|---|
| Street Address | 455 VALLEY AVE |
| City | LODI |
| State | CA |
| Zip | 95240-6322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GUNSCH-EDINGER TR MAP 13 PG 116 LOT27 |
| Legal Subdivision | GUNSCH EDINGER TR |
| Legal Block | 2 |
| Legal Lot Number | 27 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 4402 |
455 Valley Ave is owned by a company that acquired it in April 2025.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Mar 25, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 4, 2023 | Deed of Trust, Mortgage · Construction Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2025 |
| Transfer Doc | 0000041733 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 7, 2026 |
| Property Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Document Number | 0000030545 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202630545 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Document Number | 0000030545, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 202630545 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2024 |
| Title Company | ORABGE COAST TITLE, ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Document Number | 0000024193 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 2024-024193 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Address | 455 VALLEY AVE, LODI, CA 95240-6322 |
| Document Number | 0000000498 |
|---|---|
| Date | Jan 4, 2023 |
| Instrument | 2023-000498 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
The 2026 property tax bill for 455 Valley Ave was $619, up 0.5% 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 | $619.00 (+0.49%) | ||
| 2025 | $616.00 | $61,808 Land $25,582 Building $36,226 | |
| 2023 | $583.00 (+2.64%) Homeowner's exemption | $59,410 Land $24,590 Building $34,820 | $311,580 |
| 2022 | $568.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 455 Valley Ave 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 | 2 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.
The area around 455 Valley Ave 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.
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 577 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, Softcom Internet Communications, T-Mobile, Verizon.
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