643 Spirou St, Stockton, CA 95204 Property Records

San Joaquin County property record for 643 Spirou St, Stockton, CA 95204

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,428 sqft · built 2017
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Trust Names on File
Last Sale	$577,500 (Jul 2019)
Tax Bill	$5,359 (2026)
Deeds & Mortgages	May 2026 Sale Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`115-380-310-000`

Property Details

APN / Parcel Number

Primary APN	`115-380-310-000`
Alternative APN	`115-380-31`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Lot Area	5,500 sqft (0.126 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	115-380-31
Street Address	643 SPIROU ST
City	STOCKTON
State	CA
Zip	95204-3539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	07-FM PT OF 115-300-01/CALAVERAS ESTATES UNIT #3
Legal Subdivision	CALAVERAS ESTATES
Legal Block	1
Legal Lot Number	31
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	STOCKTON
Census Block Group	1
Census Block	1001
Census Tract	1400

Owner

643 Spirou St is owner-occupied and held in a trust since July 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	643 SPIROU ST, STOCKTON, CA 95204-3539
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
May 7, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jun 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU
Oct 23, 2017	Grant Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Oct 23, 2017 · Amount on File
Deed Document Number	201969146
Prior Transfer Date	Jul 20, 2011
Prior Transfer Doc	0000085835
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 7, 2026
Property Address	643 SPIROU ST, STOCKTON, CA 95204-3539
Document Number	0000041879
Instrument Date	Apr 21, 2026
Instrument	202641879
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	643 SPIROU ST, STOCKTON, CA 95204-3539

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	643 SPIROU ST, STOCKTON, CA 95204-3539
Document Number	0000068186
Instrument Date	Jun 22, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 SPIROU ST STOCKTON CA 952043539, STOCKTON, CA 95204-3539

Mortgage

Document Number	0000068186
Date	Jun 28, 2019
Instrument	68186

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 27, 2034

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 23, 2017
Property Address	643 SPIROU ST, STOCKTON, CA 95204-3539
Document Number	0000123498
Map Reference	MAP41 PG31
Instrument Date	Oct 19, 2017
Instrument	2017-123498
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	643 SPIROU ST, STOCKTON, CA 95204-3539

Mortgage

Document Number	0000123499
Date	Oct 23, 2017
Instrument	2017-123499

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 643 Spirou St was $5,359, up 2.9% 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	Stockton City
Unified School District	Stockton Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,359.00 (+2.9%)
2025	$5,208.00	$411,322 Land $68,267 Building $343,055
2023	$5,000.00 (+1.32%)	$395,352 Land $65,617 Building $329,735	$533,790
2022	$4,935.00

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

Flood

FEMA maps place 643 Spirou St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 643 Spirou St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CALIFORNIA WATER SERVICE - STOCKTON private · serves 182,775 people · EPA ID CA3910001
Water Source	Purchased surface water from STOCKTON EAST WATER DISTRICT
Last State Inspection	Jan 2024
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 566 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: ezWave, T-Mobile.

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