637 California St, Ripon, CA 95366 Property Records

San Joaquin County property record for 637 California St, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,946 sqft · built 1983
Lot Size	0.197 acres (8,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,000 (Mar 2019)
Tax Bill	$5,515 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`261-290-150-000`

Property Details

APN / Parcel Number

Primary APN	`261-290-150-000`
Alternative APN	`261-290-15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,946 sqft Living Area
1st Floor Area	1,946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,589 sqft (0.197 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	261-290-15
Street Address	637 CALIFORNIA ST
City	RIPON
State	CA
Zip	95366-2170
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 138
Legal Subdivision	VALLEY OAK ESTATES
Legal Block	4
Legal Lot Number	138
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	4
Census Block	4001
Census Tract	5001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	637 CALIFORNIA ST, RIPON, CA 95366-2170
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Mar 22, 2019	Grant Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	201928514
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	637 CALIFORNIA ST, RIPON, CA 95366-2170
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CALIFORNIA ST, RIPON, CA 95366-2170

Mortgage

Document Number	0000109467
Date	Aug 28, 2020
Instrument	2020-109467

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 22, 2019
Property Address	637 CALIFORNIA ST, RIPON, CA 95366-2170
Document Number	0000028514
Map Reference	MB 24 PG 90
Instrument Date	Mar 6, 2019
Instrument	2019-028514
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	637 CALIFORNIA ST, RIPON, CA 95366-2170

Mortgage

Document Number	0000028515
Date	Mar 22, 2019
Instrument	2019-028515

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,515.00 (+6.41%)
2025	$5,183.00 (+3.81%)	$476,323 (+4.04%) Land $100,395 Building $375,928
2023	$4,993.00 (+1.61%)	$457,829 Land $96,498 Building $361,331	$584,550
2022	$4,914.00

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

Flood

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 minimal risk
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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 RIPON serves 15,753 people · EPA ID CA3910007
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Lead	Under 1 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Matrix Broadband Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile, unWired Broadband.

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