San Joaquin County property record for 540 Cardinal St, Lodi, CA 95240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,119 sqft · built 1953 |
| Lot Size | 0.168 acres (7,320 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $106,000 (Aug 1999) |
| Tax Bill | $1,932 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 031-210-200-000 |
| Primary APN | 031-210-200-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,119 sqft Living Area |
| 1st Floor Area | 1,119 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Wood |
| Lot Area | 7,320 sqft (0.168 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|
| Old Parcel Number | 031-210-20 |
|---|---|
| Street Address | 540 CARDINAL ST |
| City | LODI |
| State | CA |
| Zip | 95240-5611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 |
| Legal Subdivision | RIECK TR 01 |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 4302 |
540 Cardinal St is owner-occupied and held in a trust since December 2013.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 540 CARDINAL ST, LODI, CA 95240-5611 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNIFY FINANCIAL FCU |
| Aug 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNIFY FINANCIAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1999 · Amount on File |
| Deed Sale | Aug 31, 1999 · Amount on File |
| Deed Document Number | 1999110732 |
| Last Transfer Date | Dec 12, 2013 |
| Transfer Doc | 0000007363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 540 CARDINAL ST, LODI, CA 95240-5611 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 540 CARDINAL ST, LODI, CA 95240-5611 |
| Document Number | 0000054551 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 2022-054551 |
| Name | UNIFY FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TORRANCE, CA 90501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 540 CARDINAL ST, LODI, CA 95240-5611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000089196 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 2019-089196 |
| Name | UNIFY FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TORRANCE, CA 90501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2026 property tax bill for 540 Cardinal St was $1,932, up 0.3% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lodi City |
| Unified School District | Lodi Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,932.00 (+0.31%) | ||
| 2025 | $1,926.00 | $175,837 Land $75,358 Building $100,479 | |
| 2023 | $1,843.00 (+2.28%) | $169,011 Land $72,433 Building $96,578 | $337,320 |
| 2022 | $1,802.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Cardinal St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1983.
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 | 2 in force |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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.
The area around 540 Cardinal 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 700 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 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: GeoLinks, Softcom Internet Communications, Verizon.
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