San Joaquin County property record for 1320 O St, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 2018 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Trust Name on File |
| Last Sale | $50,000 (Sep 2016) |
| Tax Bill | $4,318 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 196-510-180-000 |
| Primary APN | 196-510-180-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 196-510-18 |
|---|---|
| Street Address | 1320 O ST |
| City | LATHROP |
| State | CA |
| Zip | 95330-8735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 07-FM PT 196-510-17/PT TO 19 PER PM 24-101 |
| Legal Subdivision | HORIZON PARK |
| Legal Block | 1 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5130 |
1320 O St is held in a trust since November 2019.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 340 S PACIFIC RD, MANTECA, CA 95337-5111 |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
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 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Nov 19, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2016 · Amount on File |
| Deed Sale | Sep 16, 2016 · Amount on File |
| Deed Document Number | 2016111887 |
| Last Transfer Date | Nov 5, 2019 |
| Transfer Doc | 0000134249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 1320 O ST, LATHROP, CA 95330-8735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 340 S PACIFIC RD, MANTECA, CA 95337-5111 |
| Document Number | 0000137767 |
|---|---|
| Date | Dec 13, 2018 |
| Instrument | 2018-137767 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 1320 O ST, LATHROP, CA 95330-8735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 340 S PACIFIC RD, MANTECA, CA 95337-5111 |
| Document Number | 0000166913 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020-166913 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Nov 19, 2019 |
| Property Address | 1320 O ST, LATHROP, CA 95330-8735 |
| Document Number | 0000134249 |
| Instrument Date | Nov 5, 2019 |
| Instrument | 134249 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 340 S PACIFIC RD MANTECA CA 953375111, MANTECA, CA 95337-5111 |
The 2026 property tax bill for 1320 O St was $4,318, up 1% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lathrop City |
| Unified School District | Manteca Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,318.00 (+0.96%) | ||
| 2025 | $4,277.00 | $364,792 Land $58,026 Building $306,766 | |
| 2023 | $4,120.00 (+1.45%) | $350,628 Land $55,774 Building $294,854 | $447,570 |
| 2022 | $4,061.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1320 O St in Zone X, where a levee reduces 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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 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 1320 O 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 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 |
| 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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier, unWired Broadband, Verizon.
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