532 Howard St, Lodi, CA 95242 Property Records

San Joaquin County property record for 532 Howard St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 1992
Lot Size	0.113 acres (4,925 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,412 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`035-172-370-000`

Property Details

APN / Parcel Number

Primary APN	`035-172-370-000`
Alternative APN	`035-172-37`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,925 sqft (0.113 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	035-172-37
Street Address	532 HOWARD ST
City	LODI
State	CA
Zip	95242-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL MAPS 18 PG 14 LOT 1
Legal Subdivision	GERARD TR
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2014
Census Tract	4205

Owner

532 Howard St is owned and occupied by two individuals who acquired it in December 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	532 HOWARD ST, LODI, CA 95242-2507
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
Jun 12, 2026	Deed of Trust, Mortgage · FHA Mortgage MISSION RANCH LLC
Sep 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 1, 2004
Transfer Doc	0000280407
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 12, 2026
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Document Number	0000053640
Instrument Date	Jun 6, 2026
Instrument	202653640
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	532 HOWARD ST, LODI, CA 95242-2507

Mortgage

Document Number	0000053640,
Date	Jun 12, 2026
Instrument	202653640

Lender

Name	MISSION RANCH LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 HOWARD ST, LODI, CA 95242-2507

Mortgage

Document Number	0000077858
Date	Sep 12, 2025
Instrument	2025-077858

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Transaction Type	Mortgage
Record Updated	Sep 24, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 HOWARD ST, LODI, CA 95242-2507

Mortgage

Document Number	0000153553
Date	Sep 13, 2021
Instrument	2021-153553

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	289 Months
Due	Oct 1, 2045

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Document Number	0000047199
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 HOWARD ST LODI CA 952422507, LODI, CA 95242-2507

Mortgage

Document Number	0000047199
Date	Apr 20, 2020
Instrument	47199

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Apr 19, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Document Number	0000089958
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 HOWARD ST LODI CA 952422507, LODI, CA 95242-2507

Mortgage

Document Number	0000089958
Date	Aug 21, 2019
Instrument	89958

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	532 HOWARD ST, LODI, CA 95242-2507
Document Number	0000039246
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017
Title Company	TSI ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 HOWARD ST LODI CA 952422507, LODI, CA 95242-2507

Mortgage

Document Number	0000039246
Date	Apr 7, 2017
Instrument	39246

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 532 Howard St was $2,412 with a homeowner's exemption, up 0.4% 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	$2,412.00 (+0.42%)
2025	$2,402.00 Homeowner's exemption	$227,909 Land $77,991 Building $149,918
2023	$2,307.00 (+2.35%) Homeowner's exemption	$219,061 Land $74,963 Building $144,098	$389,520
2022	$2,254.00

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

Flood

FEMA maps place 532 Howard 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 532 Howard 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 Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures