471 California St, Ripon, CA 95366 Property Records

San Joaquin County property record for 471 California St, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,114 sqft · built 1977
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2009)
Tax Bill	$3,737 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`261-260-140-000`

Property Details

APN / Parcel Number

Primary APN	`261-260-140-000`
Alternative APN	`261-260-14`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,114 sqft Living Area
1st Floor Area	2,114 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	261-260-14
Street Address	471 CALIFORNIA ST
City	RIPON
State	CA
Zip	95366-2111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1079 LOT 18
Legal Subdivision	VALLEY OAK ESTATES
Legal Tract	1079
Legal Block	4
Legal Lot Number	18
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	4
Census Block	4001
Census Tract	5001

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 Individual Names on Record
Mailing Address	471 CALIFORNIA ST, RIPON, CA 95366-2111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 14, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2009 · Amount on Record
Deed Sale	Mar 4, 2009 · Amount on Record
Prior Sale	Feb 10, 2006 · Amount on Record
Deed Document Number	200935034
Prior Transfer Date	Aug 10, 2005
Prior Transfer Doc	0000033416
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	471 CALIFORNIA ST, RIPON, CA 95366-2111
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 CALIFORNIA ST, RIPON, CA 95366-2111

Mortgage

Document Number	0000158928
Date	Sep 21, 2021
Instrument	2021-158928

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	471 CALIFORNIA ST, RIPON, CA 95366-2111
Document Number	0000138090
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	471 CALIFORNIA ST RIPON CA 953662111, RIPON, CA 95366-2111

Mortgage

Document Number	0000138090
Date	Dec 13, 2018
Instrument	138090

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

Interest

Rate Type	Adjustable Rate

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	Ripon City
Unified School District	Ripon Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,737.00 (+8.89%)
2025	$3,432.00 (+3.84%) Homeowner's exemption	$318,477 (+4.04%) Land $73,396 Building $245,081
2023	$3,305.00 (+1.66%) Homeowner's exemption	$306,112 Land $70,547 Building $235,565	$632,880
2022	$3,251.00

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
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

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	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RIPON serves 15,753 people · EPA ID CA3910007
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Matrix Broadband Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile, unWired Broadband.

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