5100 Ruth Ct, Bakersfield, CA 93308 Property Records

Kern County property record for 5100 Ruth Ct, Bakersfield, CA 93308

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 1985
Lot Size	0.263 acres (11,443 sqft)
Owner	2 Individual Names on File
Last Sale	$484,000 (Oct 2025)
Tax Bill	$3,202 (2025)
Deeds & Mortgages	Mar 2021 Reverse Mortgage Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`506-302-12-00-3`

Property Details

APN / Parcel Number

Primary APN	`506-302-12-00-3`
Alternative APNs	`506-302-12-4` `5063021200` `50630212`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	11,443 sqft (0.263 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	506302124
Street Address	5100 RUTH CT
City	BAKERSFIELD
State	CA
Zip	93308-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	TRACT 4014 , BLOCK , LOT 40
Legal Subdivision	TRACT NO 4014
Legal Tract	4014
Legal Block	1
Legal Lot Number	40
Jurisdiction	KERN CA
Township / Civil Division	BAKERSFIELD
Census Block Group	1
Census Block	1019
Census Tract	505

Owner

5100 Ruth Ct is owned and occupied by two individuals who bought it in October 2025.

Source: Kern County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 1, 2025	Deed of Trust, Mortgage · Commercial Mortgage CHAMPIONS FUNDING LLC
Oct 17, 2025	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Deed Document Number	2025125490
Prior Transfer Date	Dec 16, 2008
Prior Transfer Doc	0000016536
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220

Mortgage

Document Number	0000043889
Date	Mar 9, 2021
Instrument	221043889

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	920 Months
Due	Nov 4, 2097

Interest

Rate Type	Adjustable Rate
Rate	3.61%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE CO CA MULTI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 ONDARROA CT, BAKERSFIELD, CA 93314-4393

Mortgage

Document Number	0000087658
Date	Aug 1, 2025
Instrument	225087658

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERN CA
Recording Date	Oct 17, 2025
Property Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220
Document Number	0000125490
Map Reference	MB 31 PG 82
Instrument Date	Sep 28, 2025
Instrument	225125490
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE CO CA MULTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5100 RUTH CT, BAKERSFIELD, CA 93308-7220

Mortgage

Document Number	0000125491
Date	Oct 17, 2025
Instrument	225125491

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 5100 Ruth Ct was $3,202, up 1.9% from the year before.

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Kern County
Secondary School District	Kern High School District (09 - 12)
Elementary School District	Norris Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$484,000 (+112.83%) Land $145,200 Building $338,800
2025	$3,202.00 (+1.91%)	$227,409 Land $68,310 Building $159,099
2024	$3,142.00 (+2.15%)
2023	$3,076.00 (+2.33%) Homeowner's exemption	$218,580 Land $65,658 Building $152,922
2022	$3,006.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5100 Ruth Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 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 5100 Ruth Ct 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	CWS - NORTH GARDEN private · serves 27,634 people · EPA ID CA1510055
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	4 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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile.

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