972 Willora Rd, Stockton, CA 95207 Property Records

San Joaquin County property record for 972 Willora Rd, Stockton, CA 95207

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,034 sqft · built 1946
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Oct 2021)
Tax Bill	$7,249 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`077-360-270-000`

Property Details

APN / Parcel Number

Primary APN	`077-360-270-000`
Alternative APN	`077-360-27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,034 sqft Living Area
1st Floor Area	2,034 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	12,800 sqft (0.294 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	077-360-27
Street Address	972 WILLORA RD
City	STOCKTON
State	CA
Zip	95207-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 37 LOT 22
Legal Subdivision	OAKRIDGE
Legal Tract	37
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	STOCKTON
Census Block Group	1
Census Block	1050
Census Tract	3203

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	972 WILLORA RD, STOCKTON, CA 95207-1826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Oct 6, 2021	Grant Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	2021168260
Prior Transfer Date	Jan 23, 2008
Prior Transfer Doc	0000019729
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 3, 2026
Property Address	972 WILLORA RD, STOCKTON, CA 95207-1826
Document Number	0000029624
Instrument Date	Mar 27, 2026
Instrument	202629624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	972 WILLORA RD, STOCKTON, CA 95207-1826

Mortgage

Document Number	0000029624,
Date	Apr 3, 2026
Instrument	202629624

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 6, 2021
Property Address	972 WILLORA RD, STOCKTON, CA 95207-1826
Document Number	0000168260
Map Reference	VOL 11 PG 42
Instrument Date	Apr 8, 2021
Instrument	2021-168260
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	972 WILLORA RD, STOCKTON, CA 95207-1826

Mortgage

Document Number	0000168261
Date	Oct 6, 2021
Instrument	2021-168261

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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	Stockton City
Unified School District	Lincoln Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,249.00 (-0.66%)
2025	$7,297.00 (+2.89%)	$636,724 (+4.04%) Land $191,017 Building $445,707
2023	$7,092.00 (+2.47%)	$612,000 Land $183,600 Building $428,400	$569,970
2022	$6,921.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1998–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2019 · rainfall accumulation

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	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 STOCKTON serves 192,702 people · EPA ID CA3910012
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 433 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ezWave, unWired Broadband.

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