San Joaquin County property record for 706 Cross St, Lodi, CA 95242
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,222 sqft · built 1953 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $137,500 (Aug 2000) |
| Tax Bill | $2,481 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 035-220-270-000 |
| Primary APN | 035-220-270-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,222 sqft Living Area |
| 1st Floor Area | 1,222 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Area | 548 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 035-220-27 |
|---|---|
| Street Address | 706 CROSS ST |
| City | LODI |
| State | CA |
| Zip | 95242-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTWOOD HOMES 02 LOT 30 |
| Legal Subdivision | WESTWOOD HOMES 02 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 4205 |
706 Cross St is owned and occupied by two individuals who bought it in August 2000.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 706 CROSS ST, LODI, CA 95242-2409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 5, 2019 | Deed of Trust, Mortgage · Line of Credit MOKELUMNE FCU |
| Apr 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2000 · Amount on File |
| Deed Sale | Aug 31, 2000 · Amount on File |
| Deed Document Number | 2000100283 |
| Prior Transfer Date | Feb 24, 1999 |
| Prior Transfer Doc | 0000035548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 706 CROSS ST, LODI, CA 95242-2409 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | ORABGE COAST TITLE, ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 706 CROSS ST, LODI, CA 95242-2409 |
| Document Number | 0000056216 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021-056216 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 706 CROSS ST, LODI, CA 95242-2409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE CO PRI SAN |
| Name | Verified Name |
|---|
| Document Number | 0000070774 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 2019-070774 |
| Name | MOKELUMNE FCU |
|---|---|
| Type | Credit Union |
| Address | LODI, CA 95241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 15, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 706 CROSS ST, LODI, CA 95242-2409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|
| Document Number | 0000040287 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 2020-040287 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2035 |
The 2026 property tax bill for 706 Cross St was $2,481 with a homeowner's exemption, up 0.4% 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 | $2,481.00 (+0.36%) | ||
| 2025 | $2,472.00 Homeowner's exemption | $234,232 Land $67,800 Building $166,432 | |
| 2023 | $2,374.00 (+2.37%) Homeowner's exemption | $225,138 Land $65,168 Building $159,970 | $384,840 |
| 2022 | $2,319.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 706 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.
The area around 706 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.
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 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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