609 Cross St, Lodi, CA 95242 Property Records

San Joaquin County property record for 609 Cross St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1946
Lot Size	0.39 acres (16,988 sqft)
Owner	Trust Name on File
Last Sale	$369,000 (Dec 2018)
Tax Bill	$1,714 (2026)
Deeds & Mortgages	Jan 2022 Transfer Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`035-173-040-000`

Property Details

APN / Parcel Number

Primary APN	`035-173-040-000`
Alternative APN	`035-173-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,824 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Lot Area	16,988 sqft (0.39 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	035-173-04
Street Address	609 CROSS ST
City	LODI
State	CA
Zip	95242-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GERARD TR MAP 8 PG 62 PART OF LOT 16
Legal Subdivision	GERARD TR
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2012
Census Tract	4205

Owner

609 Cross St is held in a trust since October 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	609 CROSS ST, LODI, CA 95242-2408
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Intrafamily Transfer, Transfer
Oct 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Sep 3, 2019	Deed of Trust, Mortgage · VA Mortgage SUMMIT FUNDING INC
Dec 31, 2018	Grant Deed, Transfer · VA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on File
Deed Sale	Dec 31, 2018 · Amount on File
Prior Sale	Sep 19, 2003 · Amount on File
Deed Document Number	2018146001
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000177603
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 7, 2022
Property Address	609 CROSS ST, LODI, CA 95242-2408
Document Number	0000002652
Map Reference	VOL 8 PG 62
Instrument Date	Jan 4, 2022
Instrument	2022-002652
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	609 CROSS ST, LODI, CA 95242-2408

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 22, 2021
Property Address	609 CROSS ST, LODI, CA 95242-2408
Document Number	0000177603
Map Reference	VOL 8 PG 62
Instrument Date	Oct 15, 2021
Instrument	2021-177603
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 CROSS ST, LODI, CA 95242-2408

Mortgage

Document Number	0000177604
Date	Oct 22, 2021
Instrument	2021-177604

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	609 CROSS ST, LODI, CA 95242-2408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096255
Date	Sep 3, 2019
Instrument	2019-096255

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 31, 2018
Property Address	609 CROSS ST, LODI, CA 95242-2408
Document Number	0000146001
Map Reference	VOL 8 PG 62
Instrument Date	Dec 26, 2018
Instrument	2018-146001
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	609 CROSS ST, LODI, CA 95242-2408

Mortgage

Document Number	0000146002
Date	Dec 31, 2018
Instrument	2018-146002

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 609 Cross St was $1,714 with a veteran's exemption, down 36.1% 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	$1,714.00 (-36.14%)
2025	$2,684.00 Veteran's exemption	$419,853 Land $102,402 Building $317,451
2023	$2,641.00 (-1.01%) Disabled Person's exemption Veteran's exemption	$403,552 Land $98,427 Building $305,125	$489,420
2022	$2,668.00

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

Flood

FEMA maps place 609 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 609 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.

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