San Joaquin County property record for 909 Opal Ln, Ripon, CA 95366 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1989 |
| Square Footage | 2,415 sqft Living Area |
| Lot Size | 8,966 sqft (0.206 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,049,000 (2026) |
| Tax Bill | $6,227.00 (2025) |
| Primary APN | 261-400-400-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,415 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood Construction |
| Lot Area | 8,966 sqft (0.206 acres) |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa Pool Type |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Old Parcel Number | 261-400-40 |
|---|---|
| Street Address | 909 OPAL LN |
| City | RIPON |
| State | CA |
| Zip | 95366-2257 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TR 2089 |
| Legal Subdivision | OLIVE GROVE ESTATES |
| Legal Tract | 2089 |
| Legal Block | 3 |
| Legal Lot Number | 109 |
| Jurisdiction | SAN JOAQUIN CA |
| Minor Civil Division | RIPON |
| Census Blockgroup | 3 |
| Census Block | 3008 |
| Census Tract | 5001 |
Source: San Joaquin County records · APN 261-400-400-000
Assessment roll updated September 24, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 909 OPAL LN, RIPON, CA 95366-2257 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 22, 2026 | Grant Deed, Transfer · Veterans Administration Mortgage CROSSCOUNTRY MORTGAGE |
| Dec 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Prior Sale | Jul 17, 2015 · Amount on Record |
| Deed Doc Number | 202656119 |
| Prior Transfer Date | Nov 21, 1994 |
| Prior Transfer Doc | 0000128405 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jun 22, 2026 |
| Property Address | 909 OPAL LN, RIPON, CA 95366-2257 |
| Document Number | 0000056119 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202656119 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116,543.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 909 OPAL LN, RIPON, CA 95366-2257 |
| Document Number | 0000056120, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202656120 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 909 OPAL LN, RIPON, CA 95366-2257 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 909 OPAL LN, RIPON, CA 95366-2257 |
| Document Number | 0000199521 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 2021-199521 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 285 Months |
| Due | Sep 01, 2045 |
Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Ripon City |
| Unified School District | Ripon Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,227.00 (+3.8%) | $574,134 (+4.04%) Land $171,647 Building $402,487 | |
| 2023 | $5,999.00 (+1.63%) | $551,842 Land $164,983 Building $386,859 | $823,950 |
| 2022 | $5,903.00 |
909 Opal Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · San Joaquin County (06077C), updated September 27, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 34th percentile of exposed land nationally · 20th in California |
|---|---|
| Wildfire Likelihood | Low — about 1 in 2,500 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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