1076 Delta Ln, Lathrop, CA 95330 Property Records

San Joaquin County property record for 1076 Delta Ln, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,314 sqft · built 2006
Lot Size	0.196 acres (8,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,500 (Mar 2006)
Tax Bill	$9,762 (2026)
Deeds & Mortgages	Apr 2022 Reverse Mortgage May 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`191-450-160-000`

Property Details

APN / Parcel Number

Primary APN	`191-450-160-000`
Alternative APN	`191-450-16`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,314 sqft Living Area
1st Floor Area	2,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,520 sqft (0.196 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	191-450-16
Street Address	1076 DELTA LN
City	LATHROP
State	CA
Zip	95330-8787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 80
Legal Subdivision	MOSSDALE LANDING 6A
Legal Block	3
Legal Lot Number	80
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3040
Census Tract	5119

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	1076 DELTA LN, LATHROP, CA 95330-8787
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
May 29, 2020	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
May 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 14, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage BAY VALLEY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2006 · Amount on Record
Deed Sale	Mar 29, 2006 · Amount on Record
Deed Document Number	200667850
Last Transfer Date	Feb 8, 2018
Transfer Doc	0000017346
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1076 DELTA LN, LATHROP, CA 95330-8787
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 DELTA LN, LATHROP, CA 95330-8787

Mortgage

Document Number	0000046545
Date	Apr 11, 2022
Instrument	2022-046545

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	875 Months
Due	Mar 13, 2095

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.33%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1076 DELTA LN, LATHROP, CA 95330-8787
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063498
Date	May 29, 2020
Instrument	2020-063498

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	898 Months
Due	Mar 13, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jun 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1076 DELTA LN, LATHROP, CA 95330-8787
Document Number	0000063499
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1076 DELTA LN LATHROP CA 953308787, LATHROP, CA 95330-8787

Mortgage

Document Number	0000063499
Date	May 29, 2020
Instrument	63499

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	May 28, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.62%

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 14, 2018
Property Address	1076 DELTA LN, LATHROP, CA 95330-8787
Document Number	0000017346
Map Reference	MB 39 PG 33
Instrument Date	Feb 8, 2018
Instrument	2018-017346
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	WFG NATIONAL TITLE COMPANY I

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1076 DELTA LN, LATHROP, CA 95330-8787

Mortgage

Document Number	0000017347
Date	Feb 14, 2018
Instrument	2018-017347

Lender

Name	BAY VALLEY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	Lathrop City
Unified School District	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,762.00 (-4.71%)
2025	$10,244.00 (+5.1%) Homeowner's exemption	$668,759 (+4.04%) Land $266,468 Building $402,291
2023	$9,747.00 (+0.1%) Homeowner's exemption	$642,792 Land $256,122 Building $386,670	$571,770
2022	$9,737.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 LATHROP serves 38,596 people · EPA ID CA3910015
Water Source	Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State Inspection	Dec 2024
Also Mapped Here	SAN JOAQUIN COUNTY-MOKELUMNE ACRES
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 619 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Ayera Technologies Fixed Wireless	120 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Matrix Broadband, unWired Broadband, Verizon.

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