700 Montana St, Ripon, CA 95366 Property Records

San Joaquin County property record for 700 Montana St, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,539 sqft · built 1980
Lot Size	0.2 acres (8,746 sqft)
Owner	2 Owner Names on Record
Last Sale	$160,000 (Jun 1992)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`261-280-170-000`

Property Details

APN / Parcel Number

Primary APN	`261-280-170-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,539 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Construction Type	Wood
Lot Area	8,746 sqft (0.2 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	700 MONTANA ST
City	RIPON
State	CA
Zip	95366-2123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	06
Legal Description	79-FORM PT OF 261-180-10
Legal Subdivision	VALLEY OAK ESTATES
Legal Tract	1427
Legal Lot Number	106
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	4
Census Block	4017
Census Tract	5001

Owner

Source: San Joaquin County records, as of September 29, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	700 MONTANA ST, RIPON, CA 95366-2123
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 22, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 1992 · Amount on Record
Deed Sale	Jun 11, 1992 · Amount on Record
Deed Document Number	1992-066909
Deed Book / Page	261
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	700 MONTANA ST, RIPON, CA 95366-2123
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 MONTANA ST, RIPON, CA 95366-2123

Mortgage

Document Number	0000035197
Date	Mar 16, 2022
Instrument	2022-035197

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	700 MONTANA ST, RIPON, CA 95366-2123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056255
Date	May 22, 2018
Instrument	2018-056255

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$3,054.00 (+3.84%) Homeowner's exemption	$282,843 (+4.04%) Land $123,744 Building $159,099
2023	$2,941.00 (+1.62%) Homeowner's exemption	$271,862 Land $118,940 Building $152,922
2022	$2,894.00

Assessed value is set for property tax purposes and is not a market price estimate.

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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