496 Cardinal Dr, Escalon, CA 95320 Property Records

San Joaquin County property record for 496 Cardinal Dr, Escalon, CA 95320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 1980
Lot Size	0.203 acres (8,845 sqft)
Owner	Company Name on Record
Last Sale	$109,000 (Jun 1989)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`225-200-030-000`

Property Details

APN / Parcel Number

Primary APN	`225-200-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Construction Type	Wood
Lot Area	8,845 sqft (0.203 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	496 CARDINAL DR
City	ESCALON
State	CA
Zip	95320-1551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05
Legal Description	79-FORM PT OF PAR 16
Legal Subdivision	VINTAGE ESTATES 03
Legal Lot Number	22
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	ESCALON
Census Block Group	1
Census Block	1009
Census Tract	4903

Owner

Source: San Joaquin County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jan 23, 2023	Intrafamily Transfer, Transfer
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 1989 · Amount on Record
Deed Sale	Jun 13, 1989 · Amount on Record
Deed Document Number	0000052309
Deed Book / Page	225
Last Transfer Date	Jan 23, 2023
Transfer Doc	0000005628
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 15, 2026
Property Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Document Number	0000063919
Instrument Date	Jul 8, 2026
Instrument	202663919
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	496 CARDINAL DR, ESCALON, CA 95320-1551

Mortgage

Document Number	0000063919,
Date	Jul 15, 2026
Instrument	202663919

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2056

Interest

Rate	6.52%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CARDINAL DR, ESCALON, CA 95320-1551

Mortgage

Document Number	0000005181
Date	Jan 21, 2026
Instrument	2026-005181

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CARDINAL DR, ESCALON, CA 95320-1551

Mortgage

Document Number	0000084053
Date	Oct 2, 2025
Instrument	2025-084053

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 23, 2023
Property Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Document Number	0000005628
Instrument Date	Jan 11, 2023
Instrument	2023-005628
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1612 DAKOTA AVE, MODESTO, CA 95358-8507

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	496 CARDINAL DR, ESCALON, CA 95320-1551
Document Number	0000028440
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	496 CARDINAL DR ESCALON CA 953201551, ESCALON, CA 95320-1551

Mortgage

Document Number	0000028440
Date	Mar 5, 2020
Instrument	28440

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Escalon City
Unified School District	Escalon Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,722.00 (+4.87%) Homeowner's exemption	$152,355 (+4.04%) Land $43,529 Building $108,826
2023	$1,642.00 (+1.61%) Homeowner's exemption	$146,441 Land $41,840 Building $104,601
2022	$1,616.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 ESCALON serves 7,232 people · EPA ID CA3910003
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Lead	Under 1 ppb (2021–2023) 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 370 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
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Matrix Broadband.

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