515 Cross St, Lodi, CA 95242 Property Records

San Joaquin County property record for 515 Cross St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,058 sqft · built 1954
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$328,836 (Jan 2021)
Tax Bill	$3,881 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`035-230-320-000`

Property Details

APN / Parcel Number

Primary APN	`035-230-320-000`
Alternative APN	`035-230-32`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,058 sqft Living Area
1st Floor Area	1,058 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	035-230-32
Street Address	515 CROSS ST
City	LODI
State	CA
Zip	95242-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP C2 30-34 LOT 32
Legal Subdivision	KIRST ESTATES
Legal Block	2
Legal Lot Number	32
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2012
Census Tract	4205

Owner

515 Cross St is owned and occupied by two individuals who bought it in January 2021.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	515 CROSS ST, LODI, CA 95242-2406
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
Jan 12, 2021	Grant Deed, Transfer · FHA Mortgage SCENIC OAKS FUNDING
Aug 18, 2017	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Aug 18, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Document Number	20217060
Prior Transfer Date	Aug 14, 2017
Prior Transfer Doc	0000094263
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 12, 2021
Property Address	515 CROSS ST, LODI, CA 95242-2406
Document Number	0000007060
Map Reference	VOL 13 PG 150
Instrument Date	Dec 31, 2020
Instrument	2021-007060
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	333 HAROLD ST, LODI, CA 95240-4829

Mortgage

Document Number	0000007061
Date	Jan 12, 2021
Instrument	2021-007061

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 18, 2017
Property Address	515 CROSS ST, LODI, CA 95242-2406
Document Number	0000094262
Map Reference	VOL13 PG150
Instrument Date	Aug 14, 2017
Instrument	2017-094262
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	515 CROSS ST, LODI, CA 95242-2406

Mortgage

Document Number	0000094264
Date	Aug 18, 2017
Instrument	2017-094264

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 18, 2017
Property Address	515 CROSS ST, LODI, CA 95242-2406
Document Number	0000094263
Instrument Date	Aug 14, 2017
Instrument	94263
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	515 CROSS ST LODI CA 952422406, LODI, CA 95242-2406

Tax Assessment & Valuation

The 2026 property tax bill for 515 Cross St was $3,881, up 0.3% from the year before.

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,881.00 (+0.31%)
2025	$3,869.00	$355,936 Land $64,945 Building $290,991
2023	$3,713.00 (+2.29%)	$342,117 Land $62,424 Building $279,693	$353,160
2022	$3,630.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 Cross St 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	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

The area around 515 Cross St 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	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

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 747 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks, Matrix Broadband, Verizon.

Nearby Properties on Cross St

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