16774 Settler Trl, Lathrop, CA 95330 Property Records

San Joaquin County property record for 16774 Settler Trl, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,838 sqft · built 2005
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$651,000 (Sep 2021)
Tax Bill	$10,860 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`191-370-310-000`

Property Details

APN / Parcel Number

Primary APN	`191-370-310-000`
Alternative APN	`191-370-31`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,838 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	191-370-31
Street Address	16774 SETTLER TRL
City	LATHROP
State	CA
Zip	95330-8852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04-FM PT OF 191-340-07 PER RM 38-104
Legal Subdivision	MOSSDALE LANDING VILLAGE 2A
Legal Block	1
Legal Lot Number	31
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1021
Census Tract	5119

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	16774 SETTLER TRL, LATHROP, CA 95330-8852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Nov 26, 2008 · Amount on Record
Deed Document Number	2021147767
Prior Transfer Date	Feb 25, 2011
Prior Transfer Doc	0000027619
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 3, 2021
Property Address	16774 SETTLER TRL, LATHROP, CA 95330-8852
Document Number	0000147767
Map Reference	MB 38 PG 104
Instrument Date	Aug 5, 2021
Instrument	2021-147767
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Joint Tenants
Address	16774 SETTLER TRL, LATHROP, CA 95330-8852

Mortgage

Document Number	0000147768
Date	Sep 3, 2021
Instrument	2021-147768

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	16774 SETTLER TRL, LATHROP, CA 95330-8852
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071779
Date	Jun 18, 2020
Instrument	2020-071779

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$10,860.00 (+2.56%)
2025	$10,589.00 (+5.12%)	$690,845 (+4.04%) Land $206,935 Building $483,910
2023	$10,073.00 (+0.13%)	$664,020 Land $198,900 Building $465,120	$683,910
2022	$10,060.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1983–2017)
Claims Outside the SFHA	13 of 22
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Apr 2006 · 5 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 8 claims

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 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Ayera Technologies, Matrix Broadband, Verizon.

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