712 Cross St, Lodi, CA 95242 Property Records

San Joaquin County property record for 712 Cross St, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,786 sqft · built 1953
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (May 2018)
Tax Bill	$4,764 (2026)
Deeds & Mortgages	May 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`035-220-280-000`

Property Details

APN / Parcel Number

Primary APN	`035-220-280-000`
Alternative APN	`035-220-28`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,786 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,150 sqft (0.164 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	035-220-28
Street Address	712 CROSS ST
City	LODI
State	CA
Zip	95242-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WESTWOOD HOMES 02
Legal Block	1
Legal Lot Number	29
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	1
Census Block	1010
Census Tract	4205

Owner

712 Cross St is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	712 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.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
May 11, 2018	Grant Deed, Transfer · Conventional Mortgage WFB NA
Feb 8, 2017	Deed of Trust, Mortgage · Conventional with PMI FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2018 · Amount on File
Deed Sale	May 11, 2018 · Amount on File
Prior Sale	Oct 9, 2015 · Amount on File
Deed Document Number	201852466
Prior Transfer Date	Mar 21, 2011
Prior Transfer Doc	0000040755
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	712 CROSS ST, LODI, CA 95242-2409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055157
Date	May 8, 2020
Instrument	2020-055157

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 11, 2018
Property Address	712 CROSS ST, LODI, CA 95242-2409
Document Number	0000052466
Instrument Date	May 2, 2018
Instrument	52466
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	712 CROSS ST LODI CA 952422409, LODI, CA 95242-2409

Mortgage

Document Number	52467
Date	May 11, 2018
Instrument	52467

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	712 CROSS ST, LODI, CA 95242-2409
Document Number	0000033679
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	LINEAR SETTLEMENT SERVICES LLC, LINEAR SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	712 CROSS ST LODI CA 952422409, LODI, CA 95242-2409

Mortgage

Document Number	0000033679
Date	Mar 24, 2017
Instrument	33679

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 712 Cross St was $4,764, up 0.3% 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	$4,764.00 (+0.32%)
2025	$4,749.00	$438,059 Land $68,267 Building $369,792
2023	$4,566.00 (+2.26%)	$421,051 Land $65,617 Building $355,434	$500,940
2022	$4,465.00

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

Flood

FEMA maps place 712 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 712 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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