803 Oak Terrace Ct, Ripon, CA 95366 Property Records

San Joaquin County property record for 803 Oak Terrace Ct, Ripon, CA 95366

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,632 sqft · built 2001
Lot Size	0.198 acres (8,612 sqft)
Owner	2 Company Names on File
Last Sale	$545,000 (Jun 2016)
Tax Bill	$6,932 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`261-500-010-000`

Property Details

APN / Parcel Number

Primary APN	`261-500-010-000`
Alternative APN	`261-500-01`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,632 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,612 sqft (0.198 acres)
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	261-500-01
Street Address	803 OAK TERRACE CT
City	RIPON
State	CA
Zip	95366-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1
Legal Subdivision	OAK TERRACE ESTATES
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3005
Census Tract	5003

Owner

Source: San Joaquin County assessment roll, as of September 24, 2025

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

Owner of Record	2 Company Names on File
Mailing Address	803 OAK TERRACE CT, RIPON, CA 95366-9576
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 9, 2016 · Amount on Record
Deed Sale	Jun 9, 2016 · Amount on Record
Prior Sale	May 30, 2001 · Amount on Record
Deed Document Number	201666389
Prior Transfer Date	Apr 24, 2013
Prior Transfer Doc	0000056321
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 13, 2026
Property Address	803 OAK TERRACE CT, RIPON, CA 95366-9576
Document Number	0000032164
Instrument Date	Apr 4, 2026
Instrument	202632164
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	803 OAK TERRACE CT, RIPON, CA 95366-9576

Mortgage

Document Number	0000032164,
Date	Apr 13, 2026
Instrument	202632164

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2031

Interest

Rate	6%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	803 OAK TERRACE CT, RIPON, CA 95366-9576
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101248
Date	Aug 14, 2020
Instrument	2020-101248

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	803 OAK TERRACE CT, RIPON, CA 95366-9576
Document Number	0000069474
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	803 OAK TERRACE CT RIPON CA 953669576, RIPON, CA 95366-9576

Mortgage

Document Number	0000069474
Date	Jul 2, 2019
Instrument	69474

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 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	Assessed Market Value
2025	$6,932.00 (+3.83%)	$645,163 (+4.04%) Land $218,999 Building $426,164
2023	$6,676.00 (+1.63%) Homeowner's exemption	$620,112 Land $210,496 Building $409,616	$939,870
2022	$6,569.00

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

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
Community Rating System	Class 7 (15% 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

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

Wildfire Risk	Moderate above 60% of the US · lower than 63% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 461 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, unWired Broadband.

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