San Joaquin County property record for 4897 Bear Creek Rd, Lodi, CA 95240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,955 sqft · built 1975 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Oct 2004) |
| Tax Bill | $6,316 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 061-090-480-000 |
| Primary APN | 061-090-480-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,955 sqft Living Area |
| 1st Floor Area | 1,955 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 43,996 sqft (1.01 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 061-090-48 |
|---|---|
| Street Address | 4897 BEAR CREEK RD |
| City | LODI |
| State | CA |
| Zip | 95240-7221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AL5 |
| Legal Description | A J LARSONS LOT 3 |
| Legal Subdivision | A J LARSON N SEC 30 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 4107 |
4897 Bear Creek Rd is owned and occupied by two individuals who bought it in October 2004.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4897 BEAR CREEK RD, LODI, CA 95240-7221 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC |
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2004 · Amount on File |
| Deed Sale | Oct 19, 2004 · Amount on File |
| Deed Document Number | 2004236738 |
| Prior Transfer Date | Oct 18, 2002 |
| Prior Transfer Doc | 0000189410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4897 BEAR CREEK RD, LODI, CA 95240-7221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 4897 BEAR CREEK RD, LODI, CA 95240-7221 |
| Document Number | 0000010795 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 2022-010795 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4897 BEAR CREEK RD, LODI, CA 95240-7221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0000038735 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 2020-038735 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 4897 Bear Creek Rd was $6,316 with a homeowner's exemption, up 0.1% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Unified School District | Lodi Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,316.00 (+0.11%) | ||
| 2025 | $6,309.00 Homeowner's exemption | $559,981 Land $209,074 Building $350,907 | |
| 2023 | $6,074.00 (+2.22%) Homeowner's exemption | $538,238 Land $200,956 Building $337,282 | $549,270 |
| 2022 | $5,942.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4897 Bear Creek Rd 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 4897 Bear Creek Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Softcom Internet Communications Fixed Wireless | 400 / 50 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T, Ayera Technologies, T-Mobile, Verizon.
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