15845 Independence Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 15845 Independence Ave, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,719 sqft · built 2013
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Oct 2018)
Tax Bill	$8,822 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`191-730-330-000`

Property Details

APN / Parcel Number

Primary APN	`191-730-330-000`
Alternative APN	`191-730-33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,719 sqft Living Area
1st Floor Area	1,719 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	191-730-33
Street Address	15845 INDEPENDENCE AVE
City	LATHROP
State	CA
Zip	95330-8541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	08-FM PT 191-330-04 PER MOSSDALE LANDING NO. 5A
Legal Subdivision	MOSSDALE LANDING UNIT 5A
Legal Block	3
Legal Lot Number	54
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3044
Census Tract	5119

Owner

15845 Independence Ave is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	15845 INDEPENDENCE AVE, LATHROP, CA 95330-8541
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2018	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE
Aug 23, 2018	Deed of Trust, Mortgage · Conventional with PMI WESTERN BANCORP
May 20, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Prior Sale	Jan 21, 2014 · Amount on File
Deed Document Number	2018116108
Prior Transfer Date	Sep 14, 2015
Prior Transfer Doc	0000114343
Record Updated	Oct 29, 2026

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 19, 2018
Property Address	15845 INDEPENDENCE AVE, LATHROP, CA 95330-8541
Document Number	0000116108
Map Reference	MB 41 PG 51
Instrument Date	Oct 11, 2018
Instrument	2018-116108
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	15845 INDEPENDENCE AVE, LATHROP, CA 95330-8541

Mortgage

Document Number	0000116109
Date	Oct 19, 2018
Instrument	2018-116109

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	15845 INDEPENDENCE AVE, LATHROP, CA 95330-8541
Document Number	0000095669
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Sep 10, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15845 INDEPENDENCE AVE LATHROP CA 953308541, LATHROP, CA 95330-8541

Mortgage

Document Number	0000095669
Date	Aug 28, 2018
Instrument	95669

Lender

Name	WESTERN BANCORP
Type	Bank
Address	SAN JOSE, CA 95123

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	15845 INDEPENDENCE AVE, LATHROP, CA 95330-8541
Document Number	0000059242
Instrument Date	May 20, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15845 INDEPENDENCE AVE LATHROP CA 953308541, LATHROP, CA 95330-8541

Mortgage

Document Number	0000059242
Date	May 25, 2017
Instrument	59242

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15845 Independence Ave was $8,822, up 1.1% from the year before.

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	$8,822.00 (+1.09%)
2025	$8,727.00	$451,780 Land $133,860 Building $317,920
2023	$8,352.00 (-0.3%)	$434,239 Land $128,663 Building $305,576	$580,050
2022	$8,377.00

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

Flood

FEMA maps place 15845 Independence Ave in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 15845 Independence Ave is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.08% 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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