San Joaquin County property record for 16965 Bernstein Ave, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,444 sqft · built 2021 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $586,000 (Dec 2021) |
| Tax Bill | $12,690 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Dec 2020 Loan Modification + 3 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 210-450-250-000 |
| Primary APN | 210-450-250-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,444 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16965 BERNSTEIN AVE |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-9291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 54 RIVER ISLANDS STAGE 2A VILLAGE AA |
| Legal Subdivision | RIVER ISLANDS STAGE 2A VL |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1100 |
| Census Tract | 5214 |
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 | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2021 | Grant Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Dec 15, 2020 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Dec 16, 2020 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Dec 9, 2020 | Loan Modification, Mortgage OLD REPUBLIC TITLE |
| Dec 31, 2019 | Quit Claim Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Deed Document Number | 2021216757 |
| Prior Transfer Date | Dec 23, 2019 |
| Prior Transfer Doc | 0000156243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 30, 2021 |
| Property Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000216757 |
| Map Reference | MB 43 PG 65 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021-216757 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000216758 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 2021-216758 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000177484 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809 |
| Investor | Possibly a Property Investor |
| Document Number | 0000177484 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 177484 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 1512 EUREKA RD # 350, ROSEVILLE, CA 95661-3070 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 16, 2020 |
| Property Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000177480 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 177480 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,055.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000177483 |
| Instrument Date | Dec 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 16965 BERNSTEIN AVE LATHROP CA 953309291, LATHROP, CA 95330-9291 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 31, 2019 |
| Property Address | 16965 BERNSTEIN AVE, LATHROP, CA 95330-9291 |
| Document Number | 0000156243 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 156243 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 73 STEWART RD LATHROP CA 953309746, LATHROP, CA 95330-9746 |
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 | Banta Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,690.00 (+1.87%) | ||
| 2025 | $12,457.00 (+4.62%) Homeowner's exemption | $621,367 (+4.04%) Land $212,241 Building $409,126 | |
| 2023 | $11,907.00 (+2.98%) Homeowner's exemption | $597,240 Land $204,000 Building $393,240 | $576,000 |
| 2022 | $11,563.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 107 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 107 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 422 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Matrix Broadband Fixed Wireless | 200 / 40 |
| Ayera Technologies Fixed Wireless | 120 / 40 |
| Cal.net Fixed Wireless | 100 / 20 |
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