San Joaquin County property record for 728 Howard St, Lodi, CA 95242
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,852 sqft · built 1948 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Dec 2019) |
| Tax Bill | $4,883 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 035-190-120-000 |
| Primary APN | 035-190-120-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,852 sqft Living Area |
| 1st Floor Area | 1,852 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | L-Shape |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 035-190-12 |
|---|---|
| Street Address | 728 HOWARD ST |
| City | LODI |
| State | CA |
| Zip | 95242-2431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | TR 123 LOT 000037 MAP 000011 00116 |
| Legal Subdivision | WOODLAKE TR |
| Legal Tract | 123 |
| Legal Block | 2 |
| Legal Lot Number | 37 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | LODI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4205 |
728 Howard St is owned and occupied by two individuals who bought it in December 2019.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 728 HOWARD ST, LODI, CA 95242-2431 |
| 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 |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 6, 2019 | Grant Deed, Transfer · VA Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Prior Sale | Sep 19, 2014 · Amount on File |
| Deed Document Number | 2019141971 |
| Prior Transfer Date | Dec 1, 1997 |
| Prior Transfer Doc | 0000127043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 728 HOWARD ST, LODI, CA 95242-2431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 728 HOWARD ST, LODI, CA 95242-2431 |
| Document Number | 0000166543 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020-166543 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 6, 2019 |
| Property Address | 728 HOWARD ST, LODI, CA 95242-2431 |
| Document Number | 0000141971 |
| Map Reference | MB 11 PG 116 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 2019-141971 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 728 HOWARD ST, LODI, CA 95242-2431 |
| Document Number | 0000141972 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019-141972 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2026 property tax bill for 728 Howard St was $4,883, up 0.3% 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 | $4,883.00 (+0.31%) | ||
| 2025 | $4,868.00 | $448,390 Land $134,516 Building $313,874 | |
| 2023 | $4,673.00 (+2.28%) | $430,981 Land $129,294 Building $301,687 | $490,680 |
| 2022 | $4,569.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 Howard 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 728 Howard 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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